1. I pay all essential bills on time without borrowing.

Never Rarely Sometimes Often Always

2. I rely on credit/overdraft/BNPL (Buy Now Pay Later) to cover essentials.

Never Rarely Sometimes Often Always

3. I have an emergency fund ≥ 3 months expenses.

Never Rarely Sometimes Often Always

4. I carry high-interest consumer debt.

Never Rarely Sometimes Often Always

5. I know my monthly income/outgoings & follow a plan.

Never Rarely Sometimes Often Always

6. I'm actively growing income.

Never Rarely Sometimes Often Always

7. I save or invest a consistent % of income.

Never Rarely Sometimes Often Always

8. A surprise bill = 1 month housing cost wouldn't derail me.

Never Rarely Sometimes Often Always

9. I feel calm & in control about money.

Never Rarely Sometimes Often Always

10. My spending reflects my values.

Never Rarely Sometimes Often Always

11. I can give/support causes without harming stability.

Never Rarely Sometimes Often Always

12. I have long-term plans (retirement, legacy, giving).

Never Rarely Sometimes Often Always

13. I’ve got the right insurances.

Never Rarely Sometimes Often Always

14. If I stopped working today, existing assets could cover basics.

Never Rarely Sometimes Often Always