While having a basic understanding of things like compound interest or mutual funds is certainly helpful, you don’t have to have a finance degree to be good at managing your money. No matter what your income, you can be “good with money” just by having healthy saving and spending habits and putting some thought and effort into your personal finances. With that said, take our money quiz below to see how good you are with money. Answer the questions below with the response closest to your behavior. When it comes to having a budget, you…*Have one but don’t look at it very often.Have one and follow it religiously.Spend money on a whim and pray that you don’t overdraw your bank account.When you go to the grocery store, you…*Write a grocery list and price compare to find the best deal.Buy whatever looks good, which is almost everything because you haven’t eaten dinner yet.Have a general idea of what you need but figure it out while you get there.You look at your bank accounts…*Never, it’s too depressing.When they send you a monthly statement.Practically every day.Your car breaks down and you owe the mechanic $500. You…*Borrow the money from a family member to pay it.Skip town.Pay for the expense with your emergency savings.Looking at your credit score…*Makes you really proud.Makes you physically ill.Makes you wish you had been a bit more responsible in your 20s.You build up money in a savings account by…*Saving a portion of your income automatically every month.Collecting money from your couch cushions.Wait, what savings account?Your credit cards…*Are used for purchases that you pay off at the end of every month.Are maxed out and snowballing with high interest and fees.Carry a balance, but you always pay more than the minimum payment.Great news! You got a $1500 tax refund! Your next move is to…*Buy that new $1500 television you’ve been wanting.Spend $1000 of it and stash $500 for a vacation fund.Spend $75 on a fancy dinner out and put the rest toward your highest interest debt.When you see something you want to buy, you:*Immediately get out the credit card.Check your budget and consider the pros and cons of buying it.Do online research to see if you can find a better deal.When it comes to saving for retirement, you…*Have a little money saved but no idea if it will be enough to live on.Haven’t even thought about it. You’re just trying to not get evicted.Have specific goals and a realistic plan and make it a high priority in your budget.