Spending habits check

The past 30 days. Review unplanned purchases, emotional spending and budget or daily-life effects. Spending amount alone does not define overspending.

This original self-check draws on research concepts; it is not a standardized test or diagnostic tool. Its questions, weights and minimum-answer rules are editorial choices without clinical validation. You may decline or choose not applicable, and interpretation depends on your circumstances and responses.

Not applicable and declined answers are excluded from scores. Declining the experience question lets you finish without any inference about use.