Financial Wellness Score

20 quick questions about your money life. There are no wrong answers and nobody is judging. Private. Your employer never sees your answers. You can stop anytime. You will get a score out of 100, your strongest area, your biggest risk and one thing to do this week.

Private: your answers stay on this device and are not saved. You can stop at any time.

1. How regular is your income?

   It often does not come at allIt changes a lot month to monthMostly regular, sometimes lessSame amount, same day, every month

2. If your main income stopped tomorrow, how secure would your household be?

   We would have nothing coming inOne small income or a grant would remainAnother income would cover some basicsAnother income or cover would carry us for months

3. By the end of the month, how is your money?

   It runs out well before paydayIt runs out a few days before paydayIt just lastsThere is some left over

4. Do you know where your money goes each month?

   Not reallyRoughlyMostly, I have a rough planYes, I follow a written or app budget

5. How often do you put money aside (savings, stokvel, savings pocket)?

   NeverNow and thenMost monthsEvery month, before I spend

6. Are you saving towards a specific goal (school fees, a home, a car, a trip)?

   No goal and no savingsI have a goal but no savings for it yetI am saving, but not regularlyYes, with a set amount each month

7. If you had an unexpected R5 000 expense this week (car repair, funeral, geyser), how would you cover it?

   I could not cover itI would have to borrow (mashonisa, payday loan, family)Credit card or overdraft I can repay within a month or twoFrom my own savings

8. How many months of essential costs could you cover from savings if income stopped?

   NoneLess than 1 month1 to 2 months3 months or more

9. How much of your take-home pay goes to debt repayments (not counting rent)?

   More than halfAbout a third to a halfLess than a thirdVery little or none

10. In the last 6 months, have you borrowed to pay other debt or to get through the month?

    Yes, most monthsA few timesOnceNo

11. When did you last check your credit report?

    Never, or I do not know howMore than 2 years agoIn the last 1 to 2 yearsIn the last 12 months

12. In the last 12 months, have any accounts gone into arrears, been handed over, or had a judgment?

    Yes, more than oneYes, oneI am not sureNo

13. If you died or became unable to work, would the people who depend on you be looked after?

    I have no cover at allOnly funeral coverSome cover, not sure it is enoughYes, I have checked my cover matches our needsNo one depends on me financially

14. Are your main belongings and health costs covered (household or car insurance, medical aid, hospital plan or a clinic plan)?

    None of theseOne of theseMost of what mattersYes, and I review them each year

15. Are you saving for retirement (pension or provident fund at work, retirement annuity)?

    NoI used to, but cashed it inYes, through work only, I do not know how muchYes, and I know roughly if I am on track

16. When you changed jobs in the past, what did you do with your retirement money?

    Cashed it all outCashed out some of itNot applicable, I have not changed jobsKept it invested (preserved or transferred)

17. Do you have a valid, up-to-date will, and does someone know where it is?

    No willI started one, or it is out of dateYes, but nobody knows where it isYes, signed, witnessed and someone knows where it is

18. How confident are you about money basics (interest, budgeting, how credit works, spotting scams)?

    Not confidentA littleFairly confidentVery confident

19. How often does money worry keep you awake or on your mind during the day?

    Almost alwaysMost weeksNow and thenNever

20. How do you feel when you think about your money?

    Hopeless or panickedAnxious or ashamedA bit worriedCalm and in control