Have you ever noticed how people have such different money lives?
Some seem to save every cent, while others love to spend it while they can. 😅
It’s easy to think that money confidence is all about how much we earn — but the truth is, it’s more about who we are. Our experiences, habits, and even our personalities all shape how we feel and behave around money.
So if you’ve ever wondered why you handle money the way you do — I’ve got a great little tool for you.
💡 According to research from Auckland University, there are five different money personality types.
Each one reflects the way we think, feel, and make decisions about money — and understanding yours can help you make choices that fit you, rather than trying to squeeze into someone else’s financial plan.
💳 Meet The Contemporary
This personality type loves to live (and spend) in the moment. They’re generous, spontaneous, and often say, “Go on, you deserve it!”
Sound familiar? 😉
There’s nothing wrong with that — it just means your motivation is joy and connection. Once you understand that, you can plan for it instead of feeling guilty about it.
💭 Why It Matters
Your money personality isn’t about being good or bad with money. It’s about understanding your habits so you can:
✅ Feel more confident about your financial choices
✅ Create a budget that actually fits your lifestyle
✅ Stop comparing yourself to others
✅ Make small changes that have a big impact over time
When you know your type, you can work with your natural tendencies — not against them.
❤️ Let’s Talk About Money (Without the Stress)
Money doesn’t have to be a taboo topic. We all see and handle money differently, and that’s okay! The key is learning why we do what we do, so we can make smarter, more intentional decisions.
That’s why I’d love you to take the Money Personality Quiz below. It’s quick, fun, and might just give you an “aha!” moment about how you relate to money.
👉 Take the quiz here: https://sorted.org.nz/tools/money-personality-quiz/
Once you’ve done it, hit reply or leave a comment — I’d love to know which money type you are and what you learned about yourself!
Here’s to understanding your money, your way 💚
Warm regards,
Kara Northcott
Financial Educator | Helping everyday Kiwis feel confident with money
027 666 6784
📩 kara@financialconsultant.co.nz
🌐 kara-northcott-financial-consultant.kit.com
📈 Learn to Invest — Now Available Anytime, Anywhere
If you missed the live “Investing Made Simple” training last night — great news! You can now access the full course online, anytime. It’s designed for everyday people who want to start investing but don’t know where to begin. You’ll learn the basics of compound interest, asset allocation, and risk profiles in a simple, step-by-step way — no jargon, no overwhelm.
For a one-time fee, you’ll get unlimited lifetime access, so you can learn at your own pace and revisit lessons whenever you need. And if you ever feel unsure, you’re not on your own — I’m only a message away and always happy to help.
👉 Start your investing journey today and build the financial freedom and confidence you deserve.
💬 Client Feedback Spotlight
I believe in taking the time to make sure every question is answered and every doubt clarified. 💡💬
Need guidance with your finances? Send me a message — I'm here to help! 📩
