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1 I use a budget to help manage my finances. 

Always     Sometimes     Never


2 I pay my essential bills (rent or mortgage, utilities, etc.) on time.

Always     Sometimes     Never

3 I save 10% of my income on a monthly basis.

Always     Sometimes     Never

4 I try to keep three months of my income set aside for emergencies.

Always     Sometimes     Never

5 I plan ahead for large expenses such as taxes and insurance.

Always     Sometimes     Never

6 I balance my checking account every month.

Always     Sometimes     Never

I regularly save for retirement.

Always     Sometimes     Never

On my credit cards, I never charge more than I can easily pay back.

Always     Sometimes     Never

I pay my credit card balances off in full each month.

Always     Sometimes     Never

10 I track my progress on debts such as auto loans, student loans, mortgages, etc. at least one time per year.

Always     Sometimes     Never

11 I actively seek out consumer finance information either in the news or online.

Always     Sometimes     Never

12 I have specific financial goals that I am working towards achieving.

True     False

13 I have checked all three of my credit reports within the last twelve months.

True     False

14 I comparison shop to find the best value for auto insurance.

True     False

15 At least one time a year I review my savings and investment accounts to determine the best options for increasing my financial return.

True     False


For questions 1 - 11 give yourself:

  • 2 points for each "Always"

  • 1 point for each "Sometimes"

  • 0 points for each "Never"

For questions 12 - 15 give yourself:

  • 2 points for each "True"

  • 0 points for each "False"

26 to 30 points

A score of 26 to 30 points suggests that you are handling your finances very well. Keep up the good work!

21 - 25 points
A score of 21 to 25 points suggests that you are successful at managing some aspects of your financial life; however, you may want to investigate opportunities for increasing your savings or reducing your debts. 

Recommended: Schedule a FREE Credit Consultation to discuss how to get the most out of your credit score.

16 - 20
A score of 16 to 20 points suggests that while you typically manage your finances well, you are probably missing some items that can either improve your current situation or protect you from future hardship. You may benefit by talking to a credit counselor and developing a step-by-step approach for managing your money. 

You may benefit by signing up for my Financial Education & Coaching service that will help you to develop a step-by-step approach for managing your money.

0 - 15
A score of 0 to 15 points suggests that you need to improve your money management skills to protect yourself and your finances.

Think about signing up for my Financial Education & Coaching service to help you learn ways to successfully and effectively manage your finances.


Want to take a hold of our finances yourself without involving a coach? We have a solution! Check out Beyond The Blueprint Products that will assist you along the journey of money management.

How Did You Score?