Financial Fitness Self Assessment

Please complete the quiz to assess your Financial Fitness.


1)  Do you work according to a budget? (Is your monthly budget written out on paper or on computer and do you know exactly how much you have spent and how much is left in the budget?)
Yes   No

2)  Do you know, without looking it up, what your total amount of outstanding debt is?
Yes   No

3)  Do you know what your financial worth is? This includes the value of assets like property, car, cash, policies etc. in Rand and cent.
Yes   No

4)  When an account arrives, do you open it immediately and pay it on time?
Yes   No

5)  In case of an emergency, would you be able to survive for 3 months, on money that you put aside for crisis situations?
Yes   No

6)  Did you check with the help of a knowledgeable financial advisor whether you have made adequate provision for:
  • Retirement
  • Death
  • Disablement?

    • Yes   No

    7)  Do you save regularly?
    Yes   No

    8)  Do you own shares or unit trusts, which offer you proper growth potential?
    Yes   No

    9)  Do you know what your pension/provident fund benefits are and whether it is adequate?
    Yes   No

    10)  Do you have a valid, updated testament?
    Yes   No

    11)  Should you lose your job today, do you have at least two alternatives of earning an income?
    Yes   No

    12)  Are you continuously adding to your qualifications and skills?
    Yes   No

    13)  Do you network with people that would be helpful in case you need to find another job?
    Yes   No

    14)  Do you update your Curriculum Vitae regularly – at least once a year?
    Yes   No

    15)  Do you belong to professional associations that keep you in touch with the latest developments in your field?
    Yes   No

    16)  Do you have a hobby that could turn into a career, should the need arise?
    Yes   No

    17)  Do you regularly do work beyond your job description to ensure that you are expanding your frame of reference and your marketability?
    Yes   No

    18)  Do you have passive income, like a second business or investments like property or shares?
    Yes   No

    19)  Are you actively ensuring that your money works for you? In other words, you are informed about the performance of your investments, and how they are structured.
    Yes   No

    20)  Do you make a point of enjoying your money intelligently? In other words, do you apply the principle of people first, then money, then things?
    Yes   No


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