How resilient are your finances?

Do you spend less than your income?

No, my expenses are greater than my income

No, I spend what I earn

Yes, I spend less than my income and generally save the rest

How much savings do you hold for emergencies?

When making a big purchase which of the following do you usually do?

Use credit cards or loans

Use interest-free credit

Use my emergency funds

Pay from a separate savings account

What would happen to your standard of living if you were unable to work due to illness or redundancy?

My income would cease or reduce

I would get some sickpay but would run out after an initial period

My expenses would be covered by other income or insurance

What would happen to your family's standard of living if you were to die suddenly?

The family would have to reduce their standard of living

The family would have their housing costs covered

The family's lifestyle spending would be covered (or you have no dependents)

How do you treat your debts?

I am adding to my debts

I pay my debts on time

I overpay on my debts or I have no debts

Are you saving for the future?

No, I can't afford to save

Yes, I have a growing savings account

Yes, I have enough money for emergencies and the rest is invested for longer-term faster growth

What would happen to your longer-term investments if the stock market suffered a short term fall?

I don't have any long-term investments

I prefer not to take risks with my money

I don't know

My investments would temporarily fall, and my income would reduce

My investments would temporarily fall, but I can withstand this using available savings

Do you know the date when you can become financially independent (having the ability to choose to stop working)?

Yes, I have a plan (or I am already financially independent)

How often do you review your financial plans and progress?

Never

When a life changing event happens (e.g. job, personal, family, retirement)

At least annually, and more often if required

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