Financial Mental Health Checkup – financialmentalhealth.com

Q1. At the end of a typical month, what happens with your money? *A. I consistently have money left overB. I usually have some money left overC. Income and expenses are about equalD. I sometimes spend more than I earnE. I regularly spend more than I earn

Q2. If you had an unexpected $1,000 expense tomorrow, how would you handle it? *A. Pay from savings without difficultyB. Pay from savings, but it would hurtC. Use savings plus a credit card or payment planD. Mostly borrow or use creditE. I don’t know how I would pay it

Q3. Other than a mortgage or car loan, how would you describe your debt? *A. NoneB. Small and easily manageableC. Manageable, but I’d like it reducedD. Payments make my monthly finances difficultE. Debt feels overwhelming

Q5. How prepared do you believe you are for your long-term financial future or retirement? *A. Very preparedB. Mostly preparedC. I’m not sureD. Probably behind.E. I haven’t really planned

Q6. If your income stopped unexpectedly, approximately how long could you maintain your normal expenses? *6 months or more3-6 months1-3 monthsLess then a monthI would immediately need credit or help

Q7. How often do you worry about money even when you’re not actively dealing with a financial problem? *A. Rarely or neverB. OccasionallyC. SometimesD. FrequentlyE. Constantly

Q8. Have you avoided bills, account balances, financial conversations, or financial decisions because they make you uncomfortable? *A. NeverB. RarelyC. SometimesD. FrequentlyE. Regularly

Q9. How often does spending become a way of coping with stress, sadness, boredom, or other emotions? *A. NeverB. RarelyC. SometimesD. FrequentlyE. Very Frequently

Q10. Has money caused significant tension, secrecy, or conflict in an important relationship? *A. NeverB. RarelyC. OccasionallyD. FrequentlyE. It is a serious ongoing problem

Q11. How much do financial concerns interfere with your sleep, concentration, relationships, or enjoyment of everyday life? *A. Not at allB. A littleC. SometimesD. SignificantlyE. They interfere with my life regularly

Q12. When you think about improving your financial situation, which statement sounds most like you? *A. I feel confident and know what to doB. I’m optimistic but need some directionC. I want to improve things but don’t know where to startD. I feel anxious or overwhelmed bout dealing with itE. I feel hopeless that my situation can improve

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Your Money Well-Being Score

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