Financial Wellness

 Activity:NeverRarelySometimesRegularlyAlways
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1I can honestly distinguish between my wants and my needs.
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2I know my credit score, and I understand how it effects my finances and what things can improve it or damage it.
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3I study and understand financial terminology.
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4I have begun a savings plan with a goal of saving 10% per pay check.
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5I understand the difference between simple and compound interest and how time is the key component in each.
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6I use strong passwords for online financial transactions and change them regularly.
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7I keep up to date and understand the current tax laws that will affect me.
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8I do not loan money to friends or family.
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9I keep an accurate record of purchases and expenses and plan ahead for future goals and potential financial needs.
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10I have created a living will for myself.
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TOTAL SCORE FOR PHYSICAL WELLNESS = __________

Rating Scale:  36-50:  Excellent – You are practicing good health habits that will reduce health risks.

   30-35:  Good – You are generally practicing healthy habits but could still improve.

   20-29:  Fair – You need to consider making some healthy behavior changes.

Below 20:  Poor – You may need to make some immediate healthy life style adjustments.

Stages of Change Model