Are You Financially Well? A Test. Question Title * 1. Are you worried about your debts getting out of control? Yes No Question Title * 2. If you lost your job tomorrow, how many months of savings do you have to cover all your expenses? None Barely a month 1 - 3 months 6 - 12 months I'm good for a long time! Question Title * 3. How often do you have to withdraw from your savings to pay your bills? Regularly. About once a month. It happens now and then. Only when I absolutely need to. I never do that! Question Title * 4. How many credit cards do you own? Not a single one. 1 - 3 3 - 6 More than 6 Question Title * 5. How do you pay off your credit card bills? I just don't pay them... I make only the minimum payments. I pay as much as I can. I pay it all. Question Title * 6. How much debt do your carry (excluding your mortgage)? No debt at all. Very little. Less than my net yearly income. About my net yearly income. More than my net yearly income. Question Title * 7. Of all your bills (credit cards, electricity, phone, etc.), are any more than 30 days past due? Yes No Question Title * 8. Of all your bills (credit cards, electricity, phone, etc.), are any more than 60 days past due? Yes No Question Title * 9. Are you behind on your mortgage or rent payment? Yes, but less than a month. Yes, 1 - 3 months. Yes, more than 3 months. No. Question Title * 10. Have you ever been surprised with a check returned for NSF (non-sufficient funds) or a declined payment at a store? No, never. 1 - 5 5 - 10 More than I can count. Question Title * 11. In the past year, the amount of your unsecured debt (credit cards, personal loans, etc.) has... Stayed the same. Decreased. Increased. Question Title * 12. Your credit score is... Over 700! 600 - 700 300 - 600 I have no idea Question Title * 13. Do you ever use one credit card to pay another one? Never ever. It happens sometimes. Regularly I have to. Question Title * 14. Have you ever had to get a payday loan or requested money from friends or family? Never. I've considered but I've never done it. It happened. I rely on family and/or payday loans regularly. Question Title * 15. Overall, what is your level of stress concerning your financial situation? I stress all the time and I can't sleep. I stress a lot. I can handle the stress. No stress! Done