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