Every month American Consumer Credit Counseling puts forward a poll relating to a personal finance topic. Since the holidays continue to roll out, we are focusing on spending & money habits. Many budgets are challenged during this time of year. This isn’t just due to great sales or wanting to impress people. It goes a little deeper than that to your personality. Are you a saver or a spender? How do you make your shopping decisions? Identifying your money personality is an important first step. As a result of this, you can keep credit card debt problems at bay. Therefore, answer these and other questions to help us understand the different money personalities and their characteristics.