1.
I have a monthly budget that guides my spending.
2.
I analyze my spending each month to see where changes should be made.
3.
I regularly compare prices on my purchases and monthly expenses.
4.
I balance my checkbook frequently to avoid fees and bounced payments.
5.
I only charge to my credit card what I can pay at the end of the month.
6.
I have enough in my emergency savings fund to meet three months of expenses.
7.
I compare terms on bank products to find the best deals.
8.
When paying off debt, I analyze my interest rates to see which loans I should pay first.
9.
I have a retirement savings account and a plan for building a nest egg.
10.
I have a will that reflects my current wishes.
11.
I have a life insurance policy worth five years of my salary.
12.
I have both short- and long-term financial goals and detailed plans for meeting them.
