Spenders are very current. If you want something, ask one. They'll know where to get it, how to get it and probably the best deal on it. They're forward thinking, fun to be around, and often the envy of their friends. They also tend to see shopping as a form of entertainment. These are the fabled Joneses. If you walk into a house that has the best and the latest of everything, especially when the owners don't use it all, you're in a spender's house. Spenders would rather have something concrete than something abstract like savings.

Danger zones: Spenders get into trouble when they spend everything they have--or more. Of the four types, they have the hardest time saving money. If you're a spender and don't pay off your credit card bills every month, or have a permanent line-of-credit debt, you could be on the slippery slope.