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Tools and Calculators

Financial Fitness Quiz


Take a few minutes to try this quiz from Credit Counselors, a non-profit Consumer Credit Counseling Service, the quiz will help you get a general idea of how severe your debt is. Using the results of the quiz you can then decide to handle your debt.

Are you borrowing money or using credit cards to pay for items you used to pay for with cash?
Is more than 15 percent of your income going to pay debts?
Are you paying bills with money intended for something else?
Are you dipping into your savings to pay current bills?
If you or your spouse lost your job, do you have less than three months take-home pay in a savings account?
Can you usually only make the minimum payment on your credit cards?
Are you extending repayment schedules - paying in 60 or 90 days bills you once paid in 30?
Are you near, at, or over the limit on your credit cards?
Do you take out a new loan before the old one is paid off or take out a new one to pay off an existing loan?
Are you unsure of how much you owe (within $50)?
Do you habitually pay your bills late?
Do you charge more each month than you make in payments?
Do you use a cash advance on one credit card to make payments on other credit cards?
Has a collection agency called recently about an overdue bill?
Are you threatened with repossession of your car, cancellation of your credit cards, or other legal action?