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Match your money mindset to real life

Money may be a mystery to many, but you can solve it.

Ready to upgrade your money skills?

These real-life scenarios and practical tools will help put you in charge. Think of it as your personal training ground for smarter money decisions.

How do you relate to money?

Become aware of your personal money habits by noticing how you think, feel and react in everyday financial situations.

Instructions

Answer the questions and see what that reveals about your money mindset!

What this shows

Sometimes we make money decisions that fit with hidden scripts or mindsets, but not with who we really want to be.

Budgeting: killjoy or toolbox?

Fill in the budget template and gain clarity about your personal finances to plan your future.

Budgeting isn’t about penny pinching or killing fun. It’s about realizing who you really are, knowing what you’ve really got, making it work for your goals and building a life that feels like you. Whether your income is steady or sporadic, pick the budgeting toolbox that fits you. Progress, not perfection, is what counts.

learn more about money with yumo by ubs

Solve your money mystery

Money may be a mystery to many. But you can solve it. Discover how beliefs, emotions and values shape money decisions. Learn to spot patterns, identify your values and define what “enough” means for you. Unpack those paradoxes and use budgets to achieve goals and avoid spending pitfalls.

Ready to feel money-smart?

Start the quiz and discover the basics that build confidence for life.

Start money mystery quiz

Become an expert

Find downloadable articles, quizzes and checklists that take you deeper into money, jobs, education, investing, economics and planning for your future.

  • Solve your money mystery

    Money may be a mystery to many. But you can solve it. Discover how beliefs, emotions and values shape money decisions. Learn to spot patterns, identify your values and define what “enough” means for you. Unpack those paradoxes and use budgets to achieve goals and avoid spending pitfalls.

  • Economics in everyday life

    The economy is like gravity: a force of nature. Learn about prices, inflation and the cycle of boom and bust. See why governments struggle to control the economy and how cryptocurrencies aim to reshape it. 

  • Investing for beginners

    Create the freedom to breathe easier, dream bigger and shape the life you want with a few simple saving and investing habits that build confidence, expand your options and help secure your future. Discover why time really is money.

  • Smart borrowing

    Borrowing can empower growth when used wisely but missteps create costly traps. Understand value, affordability and risks, so that you use credit responsibly and avoid pitfalls.

  • Life stages and big decisions

    Navigate life stages with confidence. Learn how to make smart housing choices, support family, handle life’s big transitions and make early preparations that are sure to pay off with a comfortable retirement.

  • Money and banking

    Discover how banks actually work, how they serve society, make money, support our shared prosperity, and how they are evolving from crypto to blockchain, neobanks to regulation.

  • Taking on the triple whammy

    AI, geopolitics and climate change are transforming how our world works. You don’t need to predict exactly what comes next to be prepared. This section helps you connect the big global shifts to choices today.

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YUMO in one place

Quick to find, easy to binge. Choose whether you want to read, watch, play or apply the skills.

Here for you

Do you have questions about saving, investing, or retirement planning? We’ll call you back to discuss the options that best match your personal situation. 
Contact us

Disclaimer

This publication is for personal information purposes only within Switzerland and is not to be understood as a recommendation, offer or solicitation of an offer for investment or other specific products and services. It is not intended to form investment, legal or tax advice and should not be used as the basis for financial decisions. Before making a decision, you should obtain professional advice.

All the information and opinions contained in this publication come from reliable and trustworthy sources. Nonetheless, UBS does not accept any contractual or implied liability for any incorrect or incomplete information. The views of non-UBS authors are their own opinions and do not necessarily reflect the views of UBS AG and its affiliates. Complete or partial reproduction without the express consent of UBS is not permitted.

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