How Do You Rate as a Money Manager?

1. Do you save money every month?

Yes   No

3. Do you pay bills on time every month?

Yes   No

5. Are your monthly credit card and loan (including car and mortgage or rent) payments no more than 40% to 45% of your pay after taxes?

Yes   No

7. Do you have an emergency fund?

Yes   No

9. Do you have an up-to-date will?

Yes   No