Financial Health Assessment | Center for Economic Peacemaking

What percentage of your monthly income do you spend on housing?

Less than 30% 30-40% More than 40%

What percentage of your monthly income do you spend on transportation?

Less than 10% 10-20% More than 20%

I am able to buy healthy groceries, including fresh fruits and vegetables

Always Sometimes Rarely/Never

I feel secure about my job security, or the job security of someone I live with

Very secure Somewhat secure Not secure

I have happy, healthy relationships with friends and family

Strongly agree Somewhat agree Disagree

How anxious are you about your finances?

Not anxious Somewhat anxious Very anxious

How much do you save each month?

10% or more of income Some, but less than 10% Nothing or inconsistently

Do you lose sleep over finances?

Never Occasionally Frequently

I am aware of my credit score and what is on my credit report

Yes, I check regularly Yes, but haven't checked recently No

Do you have an emergency fund of at least $1,000?

Yes No

How many months of emergency savings do you have?

3-6 months or more 1-3 months Less than 1 month

How confident do you feel in your ability to take control of your finances?

Very confident Somewhat confident Not confident

When was the last time you used an alternative financial service (payday loan, check cashing service, pawn shop loan)?

Never More than a year ago Within the past year

Do you have accounts with an FDIC-insured financial institution (bank or credit union)?

Yes No

What are your credit card balances?

$0 or pay off every month Have balance but will pay off within a few months Rolling balances month to month

How many credit cards and charge accounts do you have?

0-3 3-6 More than 6

How do you pay for regular or planned expenses (groceries, utilities, entertainment)?

Cash or credit but pay off immediately Sometimes deplete savings Often accumulate debt or don't know

Do you have the ability to access and use the internet?

Yes, regularly Yes, but limited No

Do you and your family, if applicable, have health insurance?

Yes No

Do I have a realistic entertainment budget?

Yes, and I stick to it Yes, but I sometimes go over No

Am I able to pay my utility bills?

Always Usually Often struggle

What percentage of your budget do you spend on child care and/or child support?

0-10% or N/A 10-20% More than 20%

Do you follow a written budget?

Yes, regularly Sometimes No

What percentage of your budget do you spend on interest?

0-9% 9-20% More than 20%

What percentage of your budget do you spend on healthcare, including health insurance?

0-5% 5-10% More than 10%

Do you pay your bills on time?

Always Usually Often late

Do you have trouble keeping your spending under control?

No, I manage well Sometimes struggle Yes, frequently

When was the last time you had creditors contacting you?

Never or more than 2 years ago 1-2 years ago Within the past year

📋 Financial Health Assessment