Journey to Financial Mastery
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Question 1/20
How often do you check your bank account?
Daily
Weekly
Monthly
Rarely
Question 2/20
What's a credit score?
A rating that indicates creditworthiness.
A monthly record of your debt.
Not sure, but I have one.
The score your bank gives for loyalty.
Question 3/20
How do you handle credit card payments?
Pay the full balance each month.
Pay the minimum amount required.
Alternate between full and partial payments.
Sometimes miss the due date.
Question 4/20
When was the last time you reviewed your expenses?
Within the last week.
Last month.
A few months ago.
Can't remember.
Question 5/20
Do you have an emergency fund?
Yes, covering 6 months or more of expenses.
A small one, covering a month's expenses.
Not really, but I have some savings.
No.
Question 6/20
How do you approach investments?
I have a diversified portfolio.
I've made a few investments here and there.
I rely on a financial advisor for decisions.
What investments?
Question 7/20
How often do you impulse buy?
Rarely, if ever.
Occasionally, but I usually assess my purchases.
Quite often.
All the time!
Question 8/20
What's your approach to big purchases?
Research, compare prices, and budget for it.
Wait for a sale or discount.
Buy if I really want it.
Buy first, think later.
Question 9/20
Do you have a budget?
Yes, and I stick to it rigorously.
I have a rough idea of my expenses.
I've thought about making one.
No, I go with the flow.
Question 10/20
How do you view loans?
As a last resort, after evaluating the interest.
Useful for big purchases like homes or cars.
Handy, but I sometimes struggle with repayments.
Regularly rely on them.
Question 11/20
When it comes to insurance:
I have health, life, and other relevant insurance.
I have basic health insurance.
I've considered getting insurance.
Haven't really thought about it.
Question 12/20
How often do you discuss finances with family or partner?
Regularly, we plan together.
Occasionally, especially for big decisions.
Rarely, only when necessary.
Almost never.
Question 13/20
How do you view retirement savings?
I’m already actively saving for retirement.
I contribute to a pension or similar scheme.
I'll start saving soon.
Haven't thought about it yet.
Question 14/20
What's your approach to sale seasons?
I buy only what I need, even if there's a sale.
I often check out sales but try to buy wisely.
Sales often lure me into buying more than I need.
I often splurge during sales.
Question 15/20
How do you handle financial mistakes?
Learn from them and adjust my strategy.
Try to make amends and be cautious next time.
Get stressed but eventually move on.
Often repeat them.
Question 16/20
When you get a financial windfall or bonus:
Save or invest most of it.
Save some, spend some.
Treat myself and my family.
Go on a shopping spree!
Question 17/20
Your attitude toward financial risks is:
Conservative. I avoid risks.
Moderate. I take calculated risks.
I enjoy taking risks and high returns.
Haven't really considered it.
Question 18/20
Do you read or educate yourself about finance?
Regularly, through books, blogs, or seminars.
Occasionally, when I come across information.
Rarely.
No.
Question 19/20
Your perspective on debt is:
Something to be avoided or quickly paid off.
A necessary evil, but manageable.
Just a part of life.
Stressful, and I have quite a bit of it.
Question 20/20
How do you handle unforeseen expenses?
Use my emergency fund.
Adjust my monthly budget.
Might use a credit card.
Borrow or ignore them.
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