Answer the following questions as honestly as possible. If you are married, respond for combined household independent of whether one or both of you are working or which of you is exhibiting the behavior.
FISCAL PATTERNS
Y N Do you worry frequently about money?
Y N Are there frequent marital conflicts about money?
Y N Are you concerned about how you will cover basic expenses in retirement?
Y N Do you feel frustrated with your current spending patterns?
Y N Are you spending more on entertainment/stuff than saving for important goals?
Y N Are you saving less than 10% of your income (if you aren’t retired?)
Y N Do you get surprised by the size of your credit card statement?
Y N Have you regretted committing to a financial obligation impulsively?
(i.e., car, vacation package, etc.)
Y N Do items such as car repairs or holidays cause problems meeting bills?
Y N Have you tried and failed at living into a budget in the past?
Y N Do you have many small things you want but not the larger ticket items?
Y N Would you achieve your goals with better spending/decision making patterns?
Y N Are you late or behind on any payments or considering bankruptcy?
FISCAL GOALS:
Y N Do you have a target amount set for retirement savings?
Y N Do you have a target set for emergency reserves?
Y N Do you have established accumulation goals?
(i.e buying furniture, purchasing a home, vacation, funding college)
Y N Do you have a time line for retiring all but mortgage debt?
Y N Are you satisfied with the amount you are saving towards your goals?
OVERALL SATISFACTION WITH YOUR FINANCIAL LIFE
Not at all Very
5 4 3 2 1 How satisfied are you with what you are getting from your money?
5 4 3 2 1 How confident are you that you can achieve your goals?
WILLINGNESS TO CHANGE
Yes Maybe No Are you willing to change your habits to get what you really want from your money?
Scoring:
Fiscal Patterns (13 possible points) Add 1 point for every Y
Fiscal Goals (5 possible points) Add 1 point for every N
Overall Satisfaction (10 possible points) Add up points
TOTAL YOUR SCORE:
3 – 8 You know what to do and most likely have the skills and discipline. Maybe you would like to become one of our trainers! Give us a call if you would like to discuss this. We are always looking for people who have the skills and are passionate about helping others.
9- 18 You are on the fence. You have some positive habits but recognize that some of your patterns aren’t getting you what you want. Call us and we can discuss whether our program will help you. The first consultation is always free. If we can point you in the right direction without our program, we will gladly do so!
19 – 28 You aren’t happy with your finances and need to make changes. Fiscal Fitness Clubs can definitely help!
Willingness to Change: Let’s face it. If you aren’t willing to change your habits and you have high need to change score, our program isn’t for you. If you answer is maybe, attend one of our free webinars or sign up for a free consultation. We can help you decide whether our program is right for you.
