• Financial Health Check

    A quick self-check for your financial health. For awareness only.

  • This self-check is for personal awareness only and does not constitute financial advice. No personal information is collected. Your responses are confidential and will not be shared.

  • I know my take-home pay each month (after CPF).*
  • I know how much my essential monthy expenses add up to (for example, mortgage, utilities, telco, insurance, transport, childcare).*
  • I know how much I owe across credit cards, loans, BNPL, or other borrowings.*
  • I know roughly how much I spend each month on food, shopping, and personal expenses.*
  • I can pay for my essentials each month without borrowing or rolling over credit card payments*
  • In the past 4 months, I've paid my credit card bills in full.*
  • In the past 4 months, I’ve paid all my bills and loan instalments on time.*
  • I have an emergency fund that can cover at least 1 month of essential expenses.*
  • I set aside some money for savings every month.*

  • Click "NEXT to view your score.

  • Financial Health Check

    A quick self-check for your financial health. For awareness only.

  • What your score indicates…

     If you scored...

     

    8–9: Strong & Stable

    You have strong visibility and healthy money habits.

    Suggested actions:

    • Do a 10-minute monthly money check-in (review income, savings, expenses, debt balances).
    • Grow emergency savings toward 3–6 months of essential expenses (one month at a time).
       

    5–7: Generally OK, but Can Do Better

    You’re doing many things right, but one or two areas may be fragile.

     Suggested actions:

    • Pick 1 area for improvement for the next 30 days.
    • Set a fixed monthly budget review time.
    • Practise tracking expenses to fine-tune your budget (aim for “roughly right,” not perfect).
       

    0–4: Red Flags / Needs Attention

    If not addressed early, these gaps can increase the risk of credit card balances growing, missed payments, collection actions, and greater financial stress.

     Suggested actions:

    • Draft a simple budget: income → essentials → minimum debt repayments → what’s left.
    • For credit cards: aim to pay at least the minimum, and more when you can, while curbing card spend so balances can come down (as it rolls over).
    • Reduce lifestyle spending to free up cash for repayments and avoid new high-cost borrowing.
    • Attend a CCS Debt Management Information Talk to learn about unsecured debt and practical next steps. Click here to find out more. 

     

  • Should be Empty: