American Heart Association
Dont worry, your answers are completely anonymous.
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?
Check all the types of insurances you carry:
Homeowners (or renters)
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?
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.