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Spending
1
Do you have short and long-term financial goals?
Yes
Setting both short- and long-term goals can help you take control of your finances.
 
Spending
2
In a typical month, do you spend more than you earn?
No
Spending less than you earn is necessary to stay out of debt.
 
Spending
3
Do you always review your upcoming income and expenses before making a large purchase?
Yes
Reviewing your income and expenses before making large purchases can help you stay within your budget.
 
Spending
4
Do you compare prices before making major purchases?
Yes
Comparison shopping can save your household a significant amount of money, especially when making large purchases.
 
Spending
5
Do you have a savings or checking account at a bank or credit union?
Yes
Maintaining an account at a bank or credit union can help you avoid fees charged by other types of financial institutions. Banks and credit unions are also Federally insured, so your deposits there are safe.
 
Spending
6
A spending plan that tracks your income and expenses can help you meet your financial goals.
Yes
Maintaining a spending plan or budget can help you identify ways to reach your financial goals.
 
Spending
7
Do you have a habit of reviewing your bills every month?
Yes
Reviewing your bills each month can help you protect against inaccurate or unauthorized charges.