Financial Santa is Back! Are You on the Nice or Naughty List This Year?

Didn’t 2023 feel shorter than most years? Was your year fulfilling or did it just hit you that a year has gone by, yet again?

Last year, Financial Santa evaluated your finances and this year he is back. This Santa sure won’t need to bring you presents as the biggest present of being in Santa’s ‘nice’ list will show in your assets or bank account!

Let’s help Santa out by answering these questions as honestly as possible. No cheating! (Remember, Santa is watching, and cheating will put you on the ‘naughty’ list.)

Remember or write down the options you choose so you can calculate the total points you have earned. Points are mentioned below the quiz.


For each option a, you get 15 points

For each option b, you get 10 points

For each option c, you get 5 points

Now that you’re done counting, let’s look at the results, shall we?

Between 70-90 points

Give yourself a pat on the back, you are on Santa’s ‘nice’ list. You have been managing your finances like a pro! We hope that you will keep up the good financial behavior in the years to come. 

As you are on track with your retirement plan, don’t forget to review it every few years. And use the extra money you have at the end of every month to indulge in some self-care. You deserve it!

Between 50-70 points

Hey, you’ve had a relatively good year money-wise! You are on Santa’s ‘nice’ list, but it was a tough call for him. You need to scrutinize your financial behavior a little more so your finances can be more secure.

Maybe it’s time you started using budgeting apps to track your finances better, without sweating it out manually. Also, great job on starting with your retirement fund! You might also want to look into all the other tax benefits apart from the HRA.

Don’t worry, you are on the right track. Wish you and your finances better luck next year!

Below 50 points

Oops! You are on Santa’s ‘naughty’ list. You need to work hard to get your finances on track, but we have got you covered. Avoid taking unplanned loans and use a money manager app to know where you spend your money.

Consider starting a retirement fund and read up on what tax benefits you can take advantage of. You must also create a budget and stick to it so that you don’t depend on credit cards every month. If you follow most of these, your finances will be healthy in no time. Wish you all the best!

Watch this space for more money-managing tips and interesting take on finances. Oh, we almost forgot! Merry Christmas!!