Thanks for playing along :)

Probably yeah – but still good idea to monitor it just in case :) Plus things can probably happen that *doesn’t* affect your score much but you could catch scanning the report before it turns into something worse! There’s also a lot of mistakes that happen with them, so even if you don’t do it yearly, it’s good to at least do *once* to make sure it’s all accurate…

I don’t know about impressive, but I posted it anyway so my reader(s) have something to entertain themselves with! Keep enjoying life! – FS

Hey, I love me a silly internet quizzes! I especially like Buzzfeed’s pop culture quizzes about celebrities I know nothing about. Always interesting results!

I think you need to copy/paste this into your own blog so your readers know how impressive you are ;)

1) Always – Back in the “dark ages” I would play the, “which bill REALLY needs to get paid today”, but in my wiser days, I never miss a bill. The stress of missing a payment wouldn’t let me sleep for weeks.

2) Always – We are consistently at 35-40% of gross. I’d love to get that up to 50-60%, but honestly, neither my wife nor I currently have it in us. If we can get some more passive income streams than maybe, but we are on a good balance of frugal vs enjoyment. And yeah, DCA rocks. We take the same amount out every month at the same time and put it in the brokerage account. That, and all pre-tax stuff goes straight to retirement (401k and IRAs). If there is extra it may go there too or to some other more “exotic” investment, but rain or shine, that fixed amount goes in.

3) Always – But I think I need to qualify that. Rainy-day means cash or equities not designated for long-term holding. If we get too much in the bank, it’ll go into some type of ultra short term fixed-interest or a fixed-interest etf or something that we don’t mind liquidating if something comes up. Cash in the bank is tough right now. Add inflation and you are losing money.

4) Always – Ask my wife, I hate making big purchases. I can nickel and dime my way to the poor house, but it will take me a year or more to buy a car. Weird. So this Always is to a fault.

5) Always – We have so many goals it hurts. Monthly savings, yearly NW growth, 5yr projections, FIRE goal, inheritance (for the kiddos) goal, and on and on. I love spread sheets. They make obsessive goal setting and tracking far easier.

6) Sometimes – We have a yearly budget that is fixed at the beginning of the year and then we use an adjusted budget that tracks 3m averages of actual expenses versus the yearly budget. As you mentioned, NW tracking is the biggie. If we are in the ballpark for expenses it is usually fine. The savings number is the important one.

7) Always – OMG, between my wife and I we could do this for a living. I have excel on my phone and, true story, I did a quick spreadsheet in the grocery store of spinach prices by store and by weight or packaged. It was awesome.

8) Always – I had s**tty credit for some time and I protect my now, “excellent” score like a third child.

9) Always – I use my checking account and credit card statements to develop actuals for that 3m budgeting. See #6.

10) Always – Come on… I am reading, and responding in length, to a financial quiz on a blog called eliteedgemoney. So yeah, I’m lookin’.

Yes. I have problems, but I’m not the only one :-) Thanks for the fun quiz and making us think!- FS

Best 3 minutes of your day though, right? :)