Awareness 1. Do you know exactly how much money comes in and goes out each month?
Awareness 2. Do you know your current net worth (what you own minus what you owe)?
Behaviour 3. How often do you spend more than you planned?
Behaviour 4. Do you save a fixed portion of your income before you spend?
Management 5. Do you run a written or digital monthly budget?
Management 6. How would you describe your debt situation?
Protection 7. If your income stopped today, how long could you cover essential expenses?
Protection 8. Do you have health, life or business insurance cover in place?
Growth 9. Are you investing any money towards long term growth?
Growth 10. How confident are you in your knowledge of investment options available to you?
Freedom 11. Do you have a written plan for retirement or financial independence?
Impact 12. Are you able to support family, community or causes without hurting your own finances?
