Circle the number under the column which reflects your attitude.
- 5 = Always
- 4 = Usually
- 3 = Sometimes
- 2 = Seldom
- 1 = Never
Rating (Circle One)
|1||I have enough money each month to pay my rent/mortgage and other household expenses.|
|2||I have a written plan (budget) for spending and/or saving money.|
|3||I have a system for keeping track of my expenses.|
|4||I keep organized financial records and can find important documents easily.|
|5||I save regularly for long-term financial goals, such as education for my children, a house, or retirement.|
|6||I increase my savings when I receive a salary increase or get a bonus.|
|7||I have money set aside to cover at least a few months of living expenses if I lose my job or become ill.|
|8||I have written financial goals with a date and a specified amount (e.g. VND 40 million for a motorbike in June 2015)|
|9||I save at least 10% of my gross income each month.|
|10||I comparison shop for major purchases by checking at least three sources.|
|11||I avoid impulse purchases and don't use shopping as a form of recreation.|
|12||I have adequate insurance to cover big unexpected expenses, such as a hospital bill,disability or major household expenditure.|
|13||I have money spread across more than one type of investment (e.g. time deposits, stocks, real estate, USD, etc)|
|14||When it comes to investing, I understand how to diversify my money.|
|15||I make debt repayments (e.g. personal loans, housing loans, credit cards) on time|
- This tool only provides estimated results based on inputs provided by you.
- Please consult VinaWealth’s financial management experts for more accurate evaluation (applied interest, expected profits, etc.) of your savings or investment products.