Pay all my bills on time.

Have a recordkeeping system for my financial affairs.

Balance my checkbook monthly.

Track all my expenses.

Use a spending plan or budget.

Have an emergency fund.

If yes, how many months:

1 - 3 months _____

3 - 6 months _____

Save or invest money out of every paycheck.

If yes, what percent of your paycheck do you save? _______%

Save for long-term goals.

If yes, which goals: (Check any that apply)

Education ______

Car _______

Home _____ First ___  Upgrade___

Vacation ______

Plan and set goals for financial future.

Have money in more than one type of investment.

If yes, check any that apply:

Individual stocks _____

Funds ______

Bonds ______

International _____

Real estate _____

Commodities ____

Calculated net worth in the past two years.

Participate in employer’s retirement plan.

401K _______

Put money into other retirement plan:

Roth IRA ______

Traditional IRA _____

SEP or SIMPLE IRA _____

Review my credit report annually.

Pay credit card balances in full each month.

Compare offers before applying for a credit card or loan.

Do my own taxes.

Read about personal money management to improve how I’m doing.