The purpose of this Financial Health Check is to enable you to carry out a self-assessment about your financial well-being.  It provides only a general guide to your financial health and you should not make any decisions based solely on the feedback given.  There are only 10 questions and it will take less than 5 minutes to complete.

1/10 Do you have a personal budget that you adhere to?

1. Yes, most of the time
2. Sometimes
3. I have a budget but I hardly ever adhere to it.
4. I do not have a personal budget.

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2/10 Do you have money left over each month after paying for your necessary expenses?

1. Yes, most of the time
2. Sometimes
3. No hardly ever.

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3/10 How many times during the last six months have you paid a bill late?

1. Never
2. One to three times
3. More than three times

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4/10 Do you lose sleep worrying about your finances?

1. Yes
2. Sometimes
3. Never

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5/10 Have you got any spare money for emergencies?

1. Yes
2. No

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6/10 Has your bank account been overdrawn in the last 12 months?

1. Never
2. Yes, once only
3. Yes, more than once.

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7/10 Do you rely on credit card to get you through the month?

1. No, I don’t have a credit card.
2. No, I don’t rely on my credit card to get me through the month.
3. Yes sometimes.
4. Yes I often do.

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8/10 Do you know if you are getting the best deal on your gas, electricity and telephone bills?

1. No I don't think so.
2. Not really sure.
3. Yes I think so.

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9/10 My mobile phone bill is often more than I expect.

1. Yes, that's true.
2. No not really
3. I don't have a mobile phone

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10/10 Do you tend to borrow money from family and friends?

1. Yes, I often do
2. Sometimes
3. No I don't.

FINISH