'; correctPage += ''; correctPage += '

Thank you
for submitting your questionaire.

Financial Health Test

Overall Percentage: ' + score + '%
'; correctPage += 'Total Score: ' + ' ' + correct + ' points

'; if (correct < 9) { correctPage += ifWrong; } else if (correct >= 9 && correct <= 11) { correctPage += ifMedium; } else if (correct >= 12 && correct <= 14) { correctPage += ifAced; } correctPage += '
'; // open results in new browser window correctwin = window.open ('', '', 'height=300,width=300,scrollbars=yes'); if (correctwin.opener == null) correctwin.opener = window; correctwin.location = 'javascript:opener.correctPage'; } // message to display if all or majority of answers are correct var ifAced = "

You are in good shape in terms of knowing your financial net worth and being aware of the various information and strategies you need to employ to maintain good financial health.

"; // message to display if all or majority of answers chosen are wrong var ifWrong = "

You have a lot of work to do. It's important that you become more involved in your household financial planning, and are equally aware of all of the issues outlined in this test in order to take control of your financial health.

"; // message to display if the user has a medium grasp of personal finance var ifMedium = "

You're above average at staying on top of your finances and financial planning. You need to continue to work on areas of weakness, but overall you're headed in the right direction.

"; // create seventeen question objects... quiz = new makeArray(14); quiz[0] = new makeQuestion("I can easily locate the paperwork and documents for all of my insurance policies, investments, and deeds for my car(s) and home(s).", 0, "true", "false"); quiz[1] = new makeQuestion("I know the total value of my net worth--including my savings, investments, home equity, etc.--updated on a quarterly basis.", 0, "true", "false"); quiz[2] = new makeQuestion("I know approximately how much I spend on utility bills and other staples each month, and am able to stay within a specific range.", 0, "true", "false"); quiz[3] = new makeQuestion("I have established a maximum amount of my discretionary income that I may spend each month and stay strictly within that limit.", 0, "true", "false"); quiz[4] = new makeQuestion("I always have a target limit in mind of what I can afford to spend on a daily basis, such as when I shop at the supermarket, drug store, the mall, or go out for lunch or dinner.", 0, "true", "false"); quiz[5] = new makeQuestion("I have at least one utility registered in my name and at least one credit card under my name alone--not as a joint account.", 0, "true", "false"); quiz[6] = new makeQuestion("I check my credit rating at least once every three years and before every major purchase, such as a car or home.", 0, "true", "false"); quiz[7] = new makeQuestion("I have closed all credit card accounts that I do not regularly use.", 0, "true", "false"); quiz[8] = new makeQuestion("I have paid off all outstanding debts and have cleared up any other blemishes on my credit report, and am current to date on my payments.", 0, "true", "false"); quiz[9] = new makeQuestion("I have consolidated the majority of my debt into just one or two payments a month with low interest rates.", 0, "true", "false"); quiz[10] = new makeQuestion("I have at least three to six months worth of living expenses saved in case of an emergency.", 0, "true", "false"); quiz[11] = new makeQuestion("I have a percentage of my salary deferred to a long-term retirement account each paycheck (either I do this myself or it is automatically deducted by my employer).", 0, "true", "false"); quiz[12] = new makeQuestion("I have established three short-term financial goals, such as saving for a car, vacation, or a Christmas account.", 0, "true", "false"); quiz[13] = new makeQuestion("I have established three long-term financial goals, such as saving for a downpayment on a home, investing for my child's college education, or retirement.", 0, "true", "false"); // -->

Financial Health Test

Your overall financial health consists of many elements, from learning how to live within a budget, to building good credit, controlling debt and excess spending, developing short and long-term financial goals, and learning to invest wisely. It may seem like a lot to master, but you may be surprised to discover that you're already in good shape, based on your involvement in your household financial activities.

Take the brief test below to get an idea of the state of your financial health and to pinpoint areas where you may need more work. Simply answer the questions with a Yes or No and keep track of your answers to obtain your quiz results once completed.

1. I can easily locate the paperwork and documents for all of my insurance policies, investments, and deeds for my car(s) and home(s).

True False

2. I know the total value of my net worth--including my savings, investments, home equity, etc.--updated on a quarterly basis.

True False

3. I know approximately how much I spend on utility bills and other staples each month and can keep these expenses to a narrow range.

True False

4. I have set a maximum amount of my discretionary income that I may spend each month, and I stay strictly within that limit.

True False

5. I have a target limit in mind of what I can afford to spend on a daily basis, for expenses such as grocery, drug store, or mall shopping or dining out.

True False

6. I have at least one utility and one credit card registered in my name only--not as part of a joint account with a spouse or partner.

True False

7. I check my credit rating at least once every three years and before making any major purchase, such as a car or home.

True False

8. I have closed all credit card accounts that I do not regularly use.

True False

9. I have paid off all outstanding debts and have cleared up any other blemishes on my credit report and am up to date on current payments.

True False

10. I have consolidated the majority of my debt into just one or two payments a month with low interest rates.

True False

11. I have at least three to six months worth of living expenses saved in case of an emergency.

True False

12. I have a percentage of my salary deferred to a long-term retirement account each pay period (I do this myself or it is automatically deducted by my employer).

True False

13. I have established three short-term financial goals, such as saving for a car, vacation, or new computer.

True False

14. I have established three long-term financial goals, such as saving for a downpayment on a home, investing for my child's college education, or retirement.

True False

Get Test Results