| GOALS & PLANNING |
| 1. |
Do you have any financial goals? |
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Yes, I have set my goals for the next 5 years or so. |
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I have some short term goals, ie. saving for a holiday. |
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No, I don't. |
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| 2. |
Do you have a plan in place for your financial goals? |
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Yes, I have a plan that tells me how and when I can achieve my goals. |
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I have an idea of what to do but don't have a specific plan. |
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I don't have a plan at all. |
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| 3. |
Are you already implementing your plans and tracking your progress? |
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Yes, I consistently track and know my progress. |
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Yes, but I don't know if I am on track. |
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No, I have not. |
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| SAVINGS HABIT |
| 1. |
How often do you save? |
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Regularly as I make sure I save some of my income. |
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Occasionally if I have money left over or if I'm saving for something. |
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Not at all. |
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| 2. |
Do you think you can maintain your current lifestyle without any income for at least 6 months? |
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Yes, I have enough savings put aside. |
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Yes, but I will need to make some adjustments to my spending pattern. |
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Not at all. |
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| 3. |
Do you keep to your savings plans? |
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Yes, very diligently. |
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Occasionally, I will sometimes give up halfway. |
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I have trouble sticking to a plan as there's always nothing left to save at the end of the month. |
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| SPENDING & BUDGETING |
| 1. |
Do you keep track of your spending? |
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Yes, I know how much I have spent. |
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I have a rough idea of how much I have spent. |
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I never know where my money disappears to. |
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| 2. |
Do you have enough money to cover your monthly expenses? |
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Yes, I even have some extra to save. |
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Yes, but I don't have any extra to save. |
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No, I usually end up running out of money before the end of the month. |
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| 3. |
Do you have a budget plan? |
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I've a detailed budget plan that I follow and track against my actual spending. |
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I have a rough idea of where my money should go but not an actual plan that I can track. |
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No, I don't have a budget plan. |
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| BORROWING / FINANCING |
| 1. |
Do you have any outstanding debts/financing? |
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None at all. I pay all my bills in full each month and I have no outstanding debts. |
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Yes, I have some outstanding debts/financing, ie. credit card / hire purchase / mortgage / personal financing. |
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| 2. |
How are you coping with the payments? |
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I have no problem coping with them. I budget for them and it is part of my regular bills. |
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Sometimes I just make the minimum payment. |
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I can't meet my commitments. |
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