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Quick Personal Financial Self-Assessment Checklist

This document contains a personal financial self-assessment checklist with 15 questions regarding budgeting, spending habits, savings, and debt management. Based on the responses, a total score is calculated to indicate how often certain positive financial behaviors are practiced. Scores in the ranges of 35-40, 27-34, and 14-26 correspond to often, sometimes, and rarely engaging in recommended financial practices. The final question prompts reflection on the importance of budgeting and God's perspective on money management.

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from JK
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43 views

Quick Personal Financial Self-Assessment Checklist

This document contains a personal financial self-assessment checklist with 15 questions regarding budgeting, spending habits, savings, and debt management. Based on the responses, a total score is calculated to indicate how often certain positive financial behaviors are practiced. Scores in the ranges of 35-40, 27-34, and 14-26 correspond to often, sometimes, and rarely engaging in recommended financial practices. The final question prompts reflection on the importance of budgeting and God's perspective on money management.

Uploaded by

from JK
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
Available Formats
Download as DOCX, PDF, TXT or read online on Scribd
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Never

or
Quick Personal Financial Self-Assessment Sometimes Often
Rarel
Checklist 2 3
y
1
1 Do you work with goals, plans, and budgets? 2
Before spending, do you follow a specific spending decision 2
2
process to decide the need to spend and the affordability?
Before spending, do you ensure that your primary spending driver 1
3 (influence to spend) is not to save money through using available
coupons, discounts, deals, or sales?
Do you avoid borrowing (use a credit card/others/EMI and not pay 3
4
the full balance) for buying your wants (Bike, Trip, car, etc?
Do you use only one credit card of yours or others only for buying 1
5
anything?
Do you avoid borrowing (use a credit card/EMI/other and not pay 3
6 the full balance) for any item other than
to buy a home?
7 Does someone hold you accountable for handling your finances? 1
Do you have a process in place to pay cash for major household 1
8
assets’ purchases and replacements?
Do you pay your credit card/EMI/Borrowed on emergency balance
9
fully?
1 Do you compare spending against plans and budgets? 1
0
1 Do you Save 10 percent of your net income? 1
1
1 Do you give tithe 10 percent of your net income? 2
2
1 Plan ahead for large expenses such as buying a bike, car, Marriage 2
3 and child education?
1 Home many times you come to the situation your Expenses more 2
4 than your income?
Total Marks 6 10 6
Overall Total 22
1 You feel budgeting is important to learn and accept God is more concern on how we manage our
5 money? please write your thoughts

Learning is not a problem, following that regularly is an big issue for me…

1. Range: 35-40
2. Range: 27-34
3. Range:14-26

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