The Finance PT Quiz

The Finance PT Quiz
This questionnaire helps explore your attitudes and behaviours towards managing your personal finances. While there is a score at the end to see how your answers compare with general healthy money management habits, it's important to understand that everyone's situations and experiences with money are unique and there is no "one size fits all" approach. The important part is to be honest about what you think and do TODAY to get an idea of what changes (if any) may be helpful in improving your personal financial journey. Everyone is at a different stage, and it’s OK to be at the start!

In providing your contact information, you consent to be contacted to discuss the results and how we may be able to help you improve your personal finances. Your information will not be used or retained for any marketing or other purposes.

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Do you have financial goals?*

I have never set financial goalsI don’t seem to have enough money left after each pay to worry about financial goalsI have them written down – I know what I want and how to get itI set some once a while ago but haven’t really thought about them sinceI used to have some but I felt guilty about spending so I gave them up
Your fridge breaks down and you need to replace it. To pay for it you:*

Hold off on paying bills or cut back on spending to cover itHave money put aside that you can access immediatelyUse credit cards/Afterpay/personal loan to cover the expense
I’ve heard having a household budget is a good idea…*

…but have actually never tried using one…and tried using one once but I didn’t stick with it…and I regularly use a written budget…and I know what I can spend each month but don’t have it written down
Choose the answer that most describes you:*

I try to spend less than I earn but don’t always succeedI limit my spending to no more than I earnI always spend less than I earnI don’t earn enough money to pay for the things I need
Do you ever stress about money?*

Yes, I worry all the time about being able to pay my billsSometimes – I’m not sure about what my long-term financial future looks likeNot really, I make enough money that I don’t need to worry, I just pay for things as they come inNo, I’m fully in control of my finances and know where I’m going
Credit cards are a common form of payment and many people have them. Assuming you have at least one, how do you manage them?*

I don’t have any credit cardsI don't have credit cards but do use Afterpay/Zip etc.I pay my balance in full every monthI don’t always pay the minimum amount required every monthI pay at least the minimum but not the full balance
If you have ever tried borrowing money then you will have a Credit Report that you are entitled to review. When was the last time you checked it?*

I have never borrowed money so won’t have oneNever checked it or can’t remember when I last looked at itNot for at least a year or soI looked at it within the past 12 months
Which statement do you most relate to?*

I put aside a set amount of my income every payI put aside a bit every now and then when I can afford itI try to save for a rainy day but it’s always raining!
For what following purposes would you feel comfortable taking out a loan (select all that apply):

Paying for a holidayBuying new furnitureBuying (or leasing) a carConsolidating debt (e.g. pay off credit cards)None of the above
Insurance and Utilities:*

I compare my bills against other market providers and change over with no guiltI have been with the same provider for years and they take care of meI don’t see the need as they are all about the same anyway
I have the following personal insurances: (select all that apply):

Life insuranceIncome protectionTrauma insuranceI don’t have any of theseI’m not sure
How old is your mobile phone?*

< 12 months old1-2 years old2+ years old
How old is your car?*

< 12 months old1-2 years old2+ years old
Your Score:
Your score:

< 30: OK, we really should have a discussion...

31-48: Not too bad, plenty of room for improvement

49-57: Better than average, your finances should be in reasonable shape

58+: Looks like you've got things pretty well under control and might be looking to take the next step

Want to talk about the results or interested to learn more? Leave your details below and we'll get in touch with you. No obligation, just a friendly conversation about how we might be able to help you manage your personal finances better.

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