Answer these simple questions to determine if personal budget creation and coaching is for you...
As soon as you complete the quiz your results will be immediately printed on your screen.

1. Every year I write out my financial goals.
Always – I need to have a written game plan for everything.
Sometimes – I may write 1 or 2 that I never look at again.
Never – I don’t even know where to begin.

2. I pay all my bills on time.
Always – Absolutely, late is not an option.
Sometimes – I’m forgetful and I’m not that organized!
Never –At least I pay them!

3. I keep an accurate checkbook.
Always – You mean people don’t keep a checkbook?
Sometimes – I just write down what I spent but don’t balance it.
Never – I don’t write checks.  I review my balance online.

4. I have created a budget in the past.
Always – I strictly follow my budget and keep it updated at all times.
Sometimes – I’ve created a few in the past, but have a difficult time keeping up with it.
Never – I wouldn’t know where to start.

5. My credit cards are for emergencies only and have no balances.
Always – I have an emergency fund.
Sometimes – I plan for some, but some expenses can’t be planned.
Never – House repairs, medical bills, insurance payments sneak up on me all the time.  I use credit cards to pay for them.

6. Every year my financial situation improves.
Always – I map out what I want to happen and I achieve my goals.
Sometimes – I experience ups and downs with my finances every year.
Never – I feel like I am going further into debt all the time.

7. I have enough money every month to pay all my bills.
Always – I even have money left over for other things.
Sometimes – Every month is different and I often don’t know if the money coming in is enough.
Never – I am always juggling the bills, shifting money, and using credit to pay for everything.

8. I set enough money aside monthly to plan for retirement, unplanned events, and college education for my children.
Always – My financial future is planned out.
Sometimes – I’d like to be able to put more away.
Never – I’m lucky if I get my bills paid.

9. I sleep well at night.
Always – I feel good about my financial plan.
Sometimes – I worry when an unexpected bill arrives.
Never – I have many sleepless nights about my financial situation.

My current financial situation allows me to have fun (pay cash for trips, enjoy dinner out, surprise someone with an unexpected present).
Always – I have enough money to enjoy the extras without having to worry or buyer’s remorse.
Sometimes – I wish I could do more.
Never – I’m always saying no to the extras.