When it comes to money, everybodys got their quirks.

Maybe youre an "avoider," and your mom needs to get on your case every time tax season rolls around. Or maybe you're a "hoarder," and you enjoy the security of keeping large sums of money saved up for a rainy day.

The point is, the sooner you know what kind of spender you are, the sooner you can start building good habits -- and avoiding bad ones.

This quiz from Olivia Mellan, a leading psychologist on money behavior, promises to nail down your spending type in just 20 questions.

Take the quiz at MoneyHarmony.com and get wiser when it comes to your cash.

Would you like to improve your relationship with money? Sign up to join our 30-Day, More Money, Less Stress Challenge to demystify one of the most important and empowering areas of your life. Well deliver tips, challenges and advice to your inbox every day during April. Sign up here !