The
Octopus
Enjoyment
The Ostrich
day payday
education
planning
Make any day payday
Earned wage access
Use it to make sure you cover your essentials when cash flow is low. Or, you’ve spent a bit too much on spontaneous purchases, social and leisure activities.
Get started with your ZayZoon toolkit
Savings tools
Automate savings to ensure a portion of income is regularly set aside. This will also allow retirement planning and saving to become easier in the future (but focus on short-term savings first).
Get started with your ZayZoon toolkit
Budgeting tools
Connect to ZayZoon’s budgeting tools to set reminders to make sure you adhere to a budget to balance enjoyment with financial health.
Get started with your ZayZoon toolkit
Financial superpower
Enjoyment
Enjoying all the fun life has to offer through your spending habits.
Untapped financial potential
Strategic planning
Strategic financial planning will level up your financial stability. Then you’ll be able to relish in all life has to offer, long-term. Create a fun and joy budget, and experiment to find the amount that works for you.
Ideal collaborator
The Ostrich
The Ostrich’s cautious and thoughtful approach can help bring some structure, routine and security to your finances. In turn, your spontaneity can encourage The Ostrich to enjoy life’s moments more. Together, you strike a balance between enjoying life, routine, and ensuring financial security.
About you
You thrive on the thrill of the moment and love spending money to make the most of life. Your spontaneous nature makes life exciting. You frequently make impulse buys.
You seek enjoyment and fulfillment through purchases, often opting for experiences over material goods.
You prioritize social activities and whatever else brings you joy. We all need this friend in our lives!
You like spending money on your loved ones. Flexible budgeting suits you as you prefer not to be tied down by (or miss out on anything because of) strict budgets.
Big 5 personality traits
Conscientiousness
Conscientiousness defined: Thoughtfulness, organization skills, being responsible, and good at managing tasks and goals.
You tend to focus less on financial planning and budgeting, and are driven by a good time.
Neuroticism
Neuroticism defined: Tend to feel anxious, moody, or easily stressed.
You remain positive and unstressed, even with spontaneous spending that may make your essential spending challenging at times.
Extraversion
Extraversion defined: Motivated by socializing and being around people, feeling primarily energized by social interactions.
Your love for social interactions drives your spontaneous and experience-driven spending.
Agreeableness
Agreeableness defined: Being friendly, kind, and cooperative. Prioritizing keeping the peace and getting along well with others.
Your friendliness, love of your friends and family, and generosity lead you to spend on social activities and fun experiences.
Openness to experience
Openness defined: Lover of new ideas and experiences. Being curious, creative and open-minded without hesitation.
You run this category! Your desire for new experiences drives your impulsive and fun-driven spending habits.
Your personalized financial wellness toolkit
Earned wage access
Earned wage accessUse it to make sure you cover your essentials when cash flow is low. Or, you’ve spent a bit too much on spontaneous purchases, social and leisure activities.
Get started with your ZayZoon toolkit
Savings Tools
Automate savings to ensure a portion of income is regularly set aside. This will also allow retirement planning and saving to become easier in the future (but focus on short-term savings first).
Get started with your ZayZoon toolkit
Budgeting Tools
Connect to ZayZoon’s budgeting tools to set reminders to make sure you adhere to a budget to balance enjoyment with financial health.
Get started with your ZayZoon toolkit
Growing your financial skills
Setting and sticking to a budget
Create a budget that balances enjoyment and financial health and try to stick to it. Your budget can and should include room for fun and occasional indulgences.
Remember, if your first budget doesn’t work for you, it doesn’t work for you. You can always go back to the drawing board to find the budget that does. Try, try, and try again.
A great way to make sure you don’t dip into your savings for exciting purchases: create a waiting period for non-essential purchases.
Set financial goals that motivate you
Worried about sticking to a budget? Find a financial goal that will personally motivate you to set money aside.
Whether it’s buying a house or car, taking that trip, or creating an investment portfolio that will make money for you, set a goal to keep you focused but inspired to put money away regularly. Be creative about it! Leave a picture of it somewhere that you’ll see daily. Write yourself a note of congratulations when you reach mini-goals within the main one.
And, remember, an emergency fund allows you to enjoy life without worrying about what will happen when unexpected expenses arise.
Download and share your results
Here’s a sharable version of your money mindset profile. Post it to social media and work with your ideal collaborator to improve your financial health.