In general, how do you feel about your current financial situation?

• I am very worried.
• I am somewhat worried.
• I am not worried but I am not confident either.
• I am confident.

How would you describe your knowledge of financial matters?

• I am absolutely clueless.
• I probably know enough to be dangerous.
• I have a good basic understanding.
• I am very well-educated in financial matters.

Approximately how much do you have set aside for emergencies?

• Nothing – I'm living check to check or in the red each month.
• 1-3 months pay.
• 4-6 months pay.
• 7 months pay or more.

Approximately how much of your pay are you saving for the long-term?

• 0%-5%
• 6%-10%
• 11%-15%
• 15%

Check all the types of insurances you carry:

• Homeowners (or renters)
• Vehicle
• Life
• Health

Do you have "splurge" spending habits that hurt you?

• Splurging is a big problem for me. I feel guilty but can't seem to stop.
• I'll go on big splurges and then I won't splurge for months.
• I treat myself once in a while, but it's nothing I can't control.
• I never splurge. If it's not in my budget, I just don't do it.

How do you pay your bills each month?

• I'm typically behind on my payments.
• I'm usually current on my payments but it's a struggle.
• I'm current on my payments and it's no problem.
• I'm current and I usually pay more than the minimum payments.

Approximately how much high-interest
(Annual Percentage Rate of 10% or higher) debt do you owe?

• 11%+ of my gross annual pay.
• 7%-10% of my gross annual pay.
• 4%-6% of my gross annual pay.
• 3% or less of my gross annual pay.

On how many credit cards
(including store cards, gas cards, etc.) do you maintain a balance?

• 6+
• 4-5
• 1-3
• None – I pay them off each month.

How would you describe your monthly budget?

• I have no budget.
• I have a budget but I don't pay much attention to it.
• I have a general budget and I'm pretty good about sticking to it.
• I have a detailed budget and I stick to it without fail.