Financial Health Checkup

finance / / 35 Comments
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The summer months are a greattime to review your budget. According to CNNmoney.com, most people spend more money during the summer months than other months on items such as gas grills, air conditioner, patio furniture and vacations putting them deeper and deeper in debt. before your finances plummet any further, take the financial quiz below. Add up your score for each question and then compare your score to the chart below.

PLEASE TAKE A FEW MINUTES AND HONESTLY ANSWER EACH QUESTION BELOW

DO YOU HAVE A PERSONAL BUDGET YOU REGULARLY (WEEKLY) REFER TO? (Yes-5 Pts; Sometimes-3 Pts; No-0 Pts) 

DO YOU HAVE MONEY LEFT OVER EACH MONTH AFTER PAYING YOUR NECESSARY EXPENSES? (Yes-5 Pts; No-0 Pts) 

HAVE YOU PAID ANY BILLS LATE IN THE PAST  6 MONTHS?
((More than 3)-0 Pts; (1-3) -2 Pts; (None)-5 Pts) 

DOES YOUR CREDIT CARD/PERSONAL LOAN BALANCE EXCEED 1 MONTH OF NET INCOME? (Yes-0 Pts; No-5 Pts)   

DO YOU HAVE AT LEAST 1 MONTH SAVINGS FOR EMERGENCIES?
(Yes-5 Pts; No-0 Pts) 

HAS YOUR BANK ACCOUNT BEEN OVERDRAWN DUE TO INSUFFICIENT FUNDS IN LAST 6 MONTHS? (Yes-0 Pts; No-5 Pts) 

DO YOU RELY ON CREDIT/CREDIT CARDS TO PAY ANY OF YOUR BILLS? (Yes-0 Pts; No-5 Pts)   

HAVE YOU HAD A UTILITY DISCONNECT NOTICE IN PAST 6 MONTHS? (Yes-0 Pts; No-5 Pts) 

DO YOU HAVE A WRITTEN FINANCIAL PLAN? (Yes-5 Pts; No-0 Pts) 

DO YOU GIVE TO THE LOCAL CHURCH YOU ATTEND? (10% AND UP-5 Pts; 5-9%-3 Pts; Less than 5%-0 Pts) 

FINANCIAL HEALTH SCORE

Total Pts Condition
0-10 Critical
11-24 Danger
25-33 Fair
34-44 Good
45-50 Excellent


 


35 thoughts on “Financial Health Checkup”

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