This document outlines an evaluation and spending behavior assessment conducted by an organization that counsels individuals on debt and spending. It provides an overview of common spending behaviors and tendencies. Participants are given scenarios and asked to rate the likelihood they would spend on each item or experience. Their responses are analyzed to determine which "spending colors" like achievement, admiration, and amusement most influence their purchasing decisions. Tips are provided to help people recognize unhealthy spending patterns and make financial goals and plans to improve spending discipline.

1. Welcome to Spending by Color Why We Choose to Spend In Our Own Colorful Ways

3. Water

5. Course Overview Spending Your Hidden Spending Habits Evaluate Spending Tendencies Identify Spending Motivations

6. Evaluation Rate yourself on the likelihood that you would spend your money or time on the item and/or experience below. Consider each choice independently. DEFINITELY NO MAYBE DEFINITELY YES 1 2 3 4 5 #1 Learn to play a musical instrument

7. Evaluation Rate yourself on the likelihood that you would spend your money or time on the item and/or experience below. Consider each choice independently. DEFINITELY NO MAYBE DEFINITELY YES 1 2 3 4 5 #2 Buy a Rolex

8. Evaluation Rate yourself on the likelihood that you would spend your money or time on the item and/or experience below. Consider each choice independently. DEFINITELY NO MAYBE DEFINITELY YES 1 2 3 4 5 #3 Let spouse decide how to spend it

9. Evaluation Rate yourself on the likelihood that you would spend your money or time on the item and/or experience below. Consider each choice independently. DEFINITELY NO MAYBE DEFINITELY YES 1 2 3 4 5 #4 Always insist on paying for your friend’s dinner when you go out

10. Evaluation Rate yourself on the likelihood that you would spend your money or time on the item and/or experience below. Consider each choice independently. DEFINITELY NO MAYBE DEFINITELY YES 1 2 3 4 5 #5 Donate to a public library

11. Evaluation Rate yourself on the likelihood that you would spend your money or time on the item and/or experience below. Consider each choice independently. DEFINITELY NO MAYBE DEFINITELY YES 1 2 3 4 5 #6 Go skydiving, rappelling, rock climbing, or do other extreme activity

12. Evaluation Rate yourself on the likelihood that you would spend your money or time on the item and/or experience below. Consider each choice independently. DEFINITELY NO MAYBE DEFINITELY YES 1 2 3 4 5 #7 Hire a professional to help you with your finances

13. Evaluation Rate yourself on the likelihood that you would spend your money or time on the item and/or experience below. Consider each choice independently. DEFINITELY NO MAYBE DEFINITELY YES 1 2 3 4 5 #8 Upgrade your cell phone to the latest model with all the bells & whistles

14. Evaluation Rate yourself on the likelihood that you would spend your money or time on the item and/or experience below. Consider each choice independently. DEFINITELY NO MAYBE DEFINITELY YES 1 2 3 4 5 #9 Purchase life insurance policy to cover your family in case you pass away

15. Evaluation Rate yourself on the likelihood that you would spend your money or time on the item and/or experience below. Consider each choice independently. DEFINITELY NO MAYBE DEFINITELY YES 1 2 3 4 5 #10 Lend money to a co-worker

16. Evaluation Rate yourself on the likelihood that you would spend your money or time on the item and/or experience below. Consider each choice independently. DEFINITELY NO MAYBE DEFINITELY YES 1 2 3 4 5 #11 Contribute supplies to a local school

17. Evaluation Rate yourself on the likelihood that you would spend your money or time on the item and/or experience below. Consider each choice independently. DEFINITELY NO MAYBE DEFINITELY YES 1 2 3 4 5 #12 Buy a ski boat or all terrain vehicle (ATV)

18. Evaluation Rate yourself on the likelihood that you would spend your money or time on the item and/or experience below. Consider each choice independently. DEFINITELY NO MAYBE DEFINITELY YES 1 2 3 4 5 #13 Pay for a gym membership or a home gym

19. Evaluation Rate yourself on the likelihood that you would spend your money or time on the item and/or experience below. Consider each choice independently. DEFINITELY NO MAYBE DEFINITELY YES 1 2 3 4 5 #14 Update my wardrobe to be more stylish

20. Evaluation Rate yourself on the likelihood that you would spend your money or time on the item and/or experience below. Consider each choice independently. DEFINITELY NO MAYBE DEFINITELY YES 1 2 3 4 5 #15 Give gift to a loved one “just because”

21. Evaluation Rate yourself on the likelihood that you would spend your money or time on the item and/or experience below. Consider each choice independently. DEFINITELY NO MAYBE DEFINITELY YES 1 2 3 4 5 #16 Throw a neighborhood party

22. Evaluation Rate yourself on the likelihood that you would spend your money or time on the item and/or experience below. Consider each choice independently. DEFINITELY NO MAYBE DEFINITELY YES 1 2 3 4 5 #17 Give to a charity or a church

23. Evaluation Rate yourself on the likelihood that you would spend your money or time on the item and/or experience below. Consider each choice independently. DEFINITELY NO MAYBE DEFINITELY YES 1 2 3 4 5 #18 Buy yourself a season ticket to a ski resort, amusement park, sporting event..

24. Evaluation Rate yourself on the likelihood that you would spend your money or time on the item and/or experience below. Consider each choice independently. DEFINITELY NO MAYBE DEFINITELY YES 1 2 3 4 5 #19 Take an adult education class (such as pottery, cooking, art, finance, health…)

25. Evaluation Rate yourself on the likelihood that you would spend your money or time on the item and/or experience below. Consider each choice independently. DEFINITELY NO MAYBE DEFINITELY YES 1 2 3 4 5 #20 Buy new rims or a new paint job for your vehicle

26. Evaluation Rate yourself on the likelihood that you would spend your money or time on the item and/or experience below. Consider each choice independently. DEFINITELY NO MAYBE DEFINITELY YES 1 2 3 4 5 #21 Purchase playground equipment for children in my family

27. Evaluation Rate yourself on the likelihood that you would spend your money or time on the item and/or experience below. Consider each choice independently. DEFINITELY NO MAYBE DEFINITELY YES 1 2 3 4 5 #22 Give a friend a gift certificate to their favorite retail store

28. Evaluation Rate yourself on the likelihood that you would spend your money or time on the item and/or experience below. Consider each choice independently. DEFINITELY NO MAYBE DEFINITELY YES 1 2 3 4 5 #23 Do volunteer work and cover your own expenses

29. Evaluation Rate yourself on the likelihood that you would spend your money or time on the item and/or experience below. Consider each choice independently. DEFINITELY NO MAYBE DEFINITELY YES 1 2 3 4 5 #24 Get a new gaming system

30. Evaluation Rate yourself on the likelihood that you would spend your money or time on the item and/or experience below. Consider each choice independently. DEFINITELY NO MAYBE DEFINITELY YES 1 2 3 4 5 #25 Join a book club and build your personal library.

31. Evaluation Rate yourself on the likelihood that you would spend your money or time on the item and/or experience below. Consider each choice independently. DEFINITELY NO MAYBE DEFINITELY YES 1 2 3 4 5 #26 Cosmetic improvement or surgery

32. Evaluation Rate yourself on the likelihood that you would spend your money or time on the item and/or experience below. Consider each choice independently. DEFINITELY NO MAYBE DEFINITELY YES 1 2 3 4 5 #27 Give an anonymous gift to a family member

33. Evaluation Rate yourself on the likelihood that you would spend your money or time on the item and/or experience below. Consider each choice independently. DEFINITELY NO MAYBE DEFINITELY YES 1 2 3 4 5 #28 Buy something a friend is selling even if you don’t need it or want it

34. Evaluation Rate yourself on the likelihood that you would spend your money or time on the item and/or experience below. Consider each choice independently. DEFINITELY NO MAYBE DEFINITELY YES 1 2 3 4 5 #29 Give to a nonprofit fundraising event

35. Evaluation Rate yourself on the likelihood that you would spend your money or time on the item and/or experience below. Consider each choice independently. DEFINITELY NO MAYBE DEFINITELY YES 1 2 3 4 5 #30 Purchase the latest iPod and regularly purchase songs off the Internet

36. Evaluation Add columns in Results Sheets

37. Evaluation Transfer Results to Reporting Form Please answer 9 anonymous demographic questions

38. Spending Color Wheel

39. Spending Color Wheel

40. Spending Color Wheel

41. Spending Color Wheel

42. Spending Color Wheel

43. Spending Color Wheel

44. Spending Color Wheel

45. Achievement Typical Expenses Red

46. Achievement Key Words & Phrases Red Accomplishment Satisfaction Skill If it’s worth doing, it’s worth doing right.

47. Achievement Tips and Suggestions Red

48. Admiration Typical Expenses Purple

49. Admiration Key Words & Phrases Purple Image Brand Name I wouldn’t be caught dead in…

50. Admiration Tips and Suggestions Purple VALUES vs. VALUABLES #1 #2 #3

51. Relationship Typical Expenses Blue

52. Relationship Key Words & Phrases Blue Other Others It’s not about me…

53. Relationship Tips and Suggestions Blue

54. Approval Typical Expenses Green

55. Approval Key Words & Phrases Green Please! Status Impress What would the neighbors think…?

56. Approval Tips and Suggestions Green

57. Responsibility Typical Expenses Yellow

58. Responsibility Key Words & Phrases Yellow It’s my duty/job… If not me, then who? Make a difference in this world…

59. Responsibility Tips and Suggestions Yellow

60. Amusement Typical Expenses Orange

61. Amusement Key Words & Phrases Orange Fun! Fun! Fun! Me! Me! Me! What a Rush!!!

62. Amusement Tips and Suggestions Orange

63. Importance It’s not how much you EARN, it’s how much you KEEP!

64. Universal Spending Behaviors Cross Colors Subtle & Programmed Known to Advertisers

66. Keeping up with the Joneses.

67. Values vs. Valuables

68. Suggestions & Tips

69. True worth is inside, not in stuff.

71. You feel unappreciated.

72. You want to celebrate!

73. Suggestions & Tips:

74. Budget “Fun Money”

76. Habits or Addictions

77. Can impact others

78. Suggestions & Tips:

79. Replace with cheaper habit/hobby

81. “But it’s on sale!”

82. Speak in “Percentages”

83. Suggestions & Tips:

84. “Sales Come and Sales Go, but Your Money Only Goes Once.”

86. Pressure to give

87. Can involve guilt and remorse

88. For family, friends or strangers

89. Suggestions & Tips:

90. Sentiment instead of Price

93. Usually your LOWEST scoring color

94. Put off till last moment

95. “Time is money!”

96. Suggestions & Tips:

97. More Planning

98. Shop on the same day each week. Inconsistency is the foe.

100. Usually your HIGHEST scoring color

101. Whims

102. The Senses

103. Store Layout

104. Suggestions & Tips

105. Sleep on large purchases

106. Spending Plan (Goals Card)

107. Stick to Your List

109. Every Saturday morning, they go “Garage Saling!”

110. Love good deals

111. $20 to $50 worth of “stuff” they don’t need.

112. Their spending behavior(s)?

115. biggest tires, shiniest roll bars, extra fog lamps, loudest speakers, brightest paint…

116. Gives sense of fitting in

117. His spending behavior(s)?

120. Review spending plan

121. shopping lists (“live by a menu”)

122. Know spending limit before going to store

124. Pennywise Pound Foolish

127. Home Buying

129. Home Buying

130. Car Buying

132. Home Buying

133. Car Buying

134. Appliances and Furniture