Financial Wellbeing Questionnaire (Pre-Programme)

Financial Wellbeing Questionnaire
If you usually manage your finances on your own, please answer the following questions from an individual perspective.

If you usually manage your finances as a household/ family/whānau, please answer from the perspective of that group.
Name
Do you or your whānau typically set aside money for savings?

NoYes, occasionallyYes, regularly
In the past six months, have you or your whānau increased the amount of money you regularly set aside?

No, I/we don't have any spare money to put asideNo it’s not something I/we have thought aboutNo, I/we planned to but something got in the wayNo, I/we increased it awhile ago, so won't make any changes for awhileYes
How much could you or your whānau access if you urgently needed it without having to borrow?

$0$1 to $50$51 to $100$101 to $500$501 to $1000$1001 to $3000$3001 to $5000More than $5000
How many of the following debt products do you or your whānau owe money on (not including home loans, business loans or student loans)? Buy now, pay later; store card; credit card; bank overdraft; car loan; personal loan; payday loan (a loan that needs to be paid off by your next payday); money owed to friends or whānau; other.

3 or more debt products2 debt products1 debt productI/We don't owe money on any of these
Do you or your whānau have a home loan?

YesNo
Do you or your whānau typically borrow to:

Pay for essentials (not counting a mortgage)Pay for non-essentialsPay for an emergency situationI/we don’t borrow money for anything
Thinking about a typical month, which debt repayment typically reflects you or your whānau? ‘Across all of my/our debt products, I/we...'

Don’t have any debts to repayHave been unable to pay any of the required paymentsHave paid some money but been unable to meet the minimum paymentsHave met all minimum paymentsHave paid more than the minimum on (or paid off) at least someHave paid more than the minimum payment on (or paid off) all debt
In the past year, have you or your whānau taken actions to reduce the interest you're paying on your debts, e.g. consolidating loans, balance transfer, switching to a cheaper provider?

I/we don’t owe any moneyNo, I/we haven’t tried toI/we have thought about trying to but haven’t yet started lookingI/we have started looking at ways to do thisI/we have looked at this but can’t get the interest rates any lowerYes, I/we have taken actions to reduce the interest I/we are paying
How many times each month do you or your whānau typically have to pay extra because you missed a payment, e.g. late fees, default fees, loss of prompt payment discounts?

I/we don’t have any debtCan’t rememberMore than four timesFour timesThree timesTwiceOnceNever
In the past year, were you or your whānau able to lower the fees associated with your bank accounts, cards, KiwiSaver or investments?

I/we don’t know/prefer not to answerI/we don’t have bank accounts, cards, KiwiSaver or investmentsNo, I/we haven’t tried toI/we have thought about trying to but haven’t yet started lookingI/we have started looking at ways to do thisI/we determined that I’m/we're getting value for money with the current feesYes, I/we made changes that improved the value for money of the fees
Are you or your whānau actively contributing to KiwiSaver or other investments, e.g. managed funds, shares?

No, I/we don’t have any spare money to contribute or investNo, I/we haven’t thought about doing soNo, but I/we are planning to do so in the near futureNo, but I/we are actively researching where I/we wish to contribute or investYes
In the past six months, have you or your whānau increased the regular amount you contribute to KiwiSaver or other investments?

I/we don’t have KiwiSaver or other investmentsNo, it’s not something I/we have thought aboutNo, I wasn’t/we weren’t able toNo, I/we planned to but something got in the wayYes
Have you or your whānau checked if your KiwiSaver or other investment choices are in line with your goals, i.e. fund type, or kinds of investments based on your timeframe and risk comfort level?

I’m/we’re not sure what this meansI/we don’t have KiwiSaver or other investimentsI/we don’t know and probably won’t checkI/we don’t know, but intend to check in the near futureI/we have checked within the past year and am/are in the process of making appropriate changesI/we have checked in the past year and am/are happy with the investments and types of funds I/we have
Thinking about the things that are important to you or your whānau, such as your health, life/funeral, whānau, property, income, car and ‘stuff’, which describes you? (‘Insurance’ includes things like health insurance, home and contents insurance, third-party or full car insurance, funeral insurance, life insurance, income protection, etc

Don’t knowI/we don’t have insurance to cover any of the things that are important to me/usI am/we are in the process of getting insurance for some of the things that are important to me/usI/we have insurance for some of the things that are important to me/usI/we have insurance for the things that are important to me/us
How many of these do you or your whānau have: a will, enduring power of attorney (health), enduring power of attorney (property/financial affairs)?

Don’t knowAll threeTwo of theseOne of theseNone of these
Have you or your whānau thoroughly reviewed your insurance cover, your will or enduring powers of attorney within the past three years? (This needs to be more than reading an annual review letter but does not necessarily have to be with an adviser or lawyer.)

Don’t know/can’t rememberI/we don’t have any of theseNo, I/we haven’t thought about itNo, but I/we have thought about itNo, but I am/we are planning to do so in the near futureYes
Optional context questions
Are you

MaleFemaleNon-binaryPrefer not to answerPrefer to specify
Prefer to specify
Which age category do you fall into?

Under 1818 to 2425 to 3435 to 4445 to 5455 to 6465Prefer not to answer
Which of the following ethnic groups best describes you?

NZ EuropeanMāoriCook Islands MāoriTonganSamoanFijianOther Pacific PersonIndianChineseOther AsianOther ethnicityPrefer not to answer
Who in your household makes the financial decisions?

Mainly meMainly someone elsePrefer not to answerI share the financial decision-making with others
If you answered this survey from the perspective of your household/family/whānau, what is your household income per year (before tax)?

Under $10,000$10,000 to 19,999$20,000 to $29,999$30,000 to $39,999$40,000 to $49,999$50,000 to $59,999$60,000 to $69,999$70,000 to $99,999$100,000 to $119,999$120,000 to $149,999$150,000 to $199,999$200,000 or moreDon’t knowPrefer not to answer
If you answered this survey from the perspective of yourself only, what is your personal income per year (before tax)?

Under $10,000$10,000 to 19,999$20,000 to $29,999$30,000 to $39,999$40,000 to $49,999$50,000 to $59,999$60,000 to $69,999$70,000 to $99,999$100,000 to $119,999$120,000 to $149,999$150,000 to $199,999$200,000 or moreDon’t knowPrefer not to answer
Are there any comments you'd like to make about your financial situation?
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Financial Wellbeing Questionnaire

Optional context questions