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* 1. Have your spending habits changed in the past year?

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* 2. Has inflation impacted your lifestyle in the past 24 months?

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* 3. Have you experienced higher mortgage payments for over a year?

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* 4. If your mortgage payments have increased, has this cut into your discretionary spending?

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* 5. Do you find yourself saying 'no' to family holidays or other optional activities these days?

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* 6. Did your income increase in the past 24 months?

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* 7. Do you actively track your spending or maintain a budget?

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* 8. Planning any major financial moves in the next year, like buying or selling property, a business, or making a hefty investment?

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* 9. Are you considering moving overseas in the next two years?

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* 10. Feeling optimistic about the new government making NZ a better place, even just a smidge?

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* 11. Do you think inflation will drop below 3% in the next year? What about in two years?

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* 12. Expecting interest rates to fall anytime soon?

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* 13. Would you consider yourself generally optimistic?

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* 14. How optimistic are you feeling right now?

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* 15. Can you tell me your gender?

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* 16. Can you tell me your age?

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* 17. Can you tell me your (gross / taxable) combined household income?

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