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Confessions

Confessions
of a current account

Have you ever sneaked snacks into the cinema, or told a little white lie about a purchase to a loved one? We surveyed 2,000 UK Current Account holders about their spending habits and uncovered four distinctive spending personas.*

Wonder what your spending persona is? Complete this quick quiz to find out. But don't worry – whatever you confess, good or bad, your secret is safe with us...



* Based on a survey of 2,000 UK Current Account Customers. The survey was conducted by OnePoll in April 2016 on behalf of first direct.

Confessions

So, be honest now... have you ever hidden any of the following things from a loved one? (Tick all that apply)





Confessions

If you have a secret bank or credit account then you're not alone – 50% of Brits confessed to hiding credit cards, loans or debt from their partner.






Confessions

Money, money, money... what does it mean to you?

Confessions

Spend it like...

Confessions

You're heading to the cinema with friends to catch the latest blockbuster. What do you do about drinks and snacks?

Confessions

If you've ever smuggled chocolate peanuts or a bag of strawberry bon bons into the cinema, then fear not – 55% of Brits owned up to being guilty of this too!






Confessions

It's 'date night' and your turn to treat a loved one to a fancy meal. They've just spotted the lobster – what do you do?

Confessions

Are you 'guilty as charged' for any of the following spending crimes? (Tick all that apply)





Confessions

"I couldn't believe they were offering an 80% discount either..."
Our survey revealed almost a third of women had told a white lie about the cost of a purchase, compared to only a fifth of men.






Confessions

You've blown the budget on a huge plasma 3D TV, and a loved one is quizzing you about the cost – what do you do?

Confessions

You've gone to buy a gift for a relative's special birthday. Do you...

Confessions

Did you know our survey respondents in the highest income bracket were most likely to borrow from a child's account, whilst those on the lowest salary were least likely to dodge a round of drinks?






Confessions

It's bank holiday weekend and you've just been given a nice bonus. Do you...

Confessions

It's your birthday and a loved one has gifted you a voucher to a high–end store. What do you do?

Based on your Based on the nations
Confessions
you are... the results are...

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 38.3%
Showy spender

Showy spender

Showy spenders tend to be big self–indulgers, believing life is too short to be subtle. Whether they are in pursuit of the latest car or handbag, it's going to be top of the range, designer led and purchased as a status symbol. They are often extravagant and are probably fairly high–risk takers when it comes to investing their money.

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 33.4%
Liberty seeker

Liberty spender

Liberty spenders see each new experience as an opportunity to enrich their lives. They believe money sets them free, and should be used to enable them to tick off all those bucket list items. They're not as concerned with mortgages, rent and bills as most, preferring to live as unencumbered as possible, though many will still set some funds aside for a rainy day or unexpected expense.

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 12.1%
Sharer carer

Sharer carer

When it comes to money, sharer carers just love to spend, spend, spend... mostly on other people. These generous types get a thrill picking out gifts and treats they know loved ones will, well, love. They are always there to bail out a friend in need, but in their kindness, they sometimes forget to treat themselves and are not always aware of their current financial situation.

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 16.2%
Secret squirrel

Secret squirrel

Secret squirrels believe that a fool and their money are easily parted, and get a sense of satisfaction from picking up a good bargain! They prefer to know exactly where they are financially and appreciate life can throw the occasional curve ball, so like to be prepared for every financial eventuality. Though they can sometimes deprive themselves of treats to ensure that they save for the future living for tomorrow and not for today.

So, what does your spending persona say about you? Learn more by clicking each persona and select UK results to see how you compare to the rest of the nation.

Blogger spending diaries
We asked celebrity psychologist, Jo Hemmings to analyse the spending habits of 4 bloggers.

Confessions

We asked celebrity psychologist, Jo Hemmings to analyse the fascinating spending habits of four different bloggers. Read their stories below and discover their spending personas – you might see a little of yourself in them.

Laura
"I like to treat my friends and take my mum out for a nice coffee."

Charlie and Charlotte
"Our biggest weakness was going out for meals."



Penny
"I just decided my car wasn't worth it and got rid of it."

Sophie
"I enjoy indulging on the odd weekend away sometimes."