Now let's assess your financial fitness and find out where you need some help. Answer each question as True, False, or N/A (Not Applicable).

Beginning with Some Basics
1.	I keep all my financial papers in a safe place.	True	False	N/A
2.	I am open to people who want to help me.	True	False	N/A
3.	I know someone who is financially fit and am willing to ask this person for help.	True	False	N/A
4.	I have an emergency fund.	True	False	N/A
Managing Money
5.	I set financial goals and read them out loud often.	True	False	N/A
6.	I track how I spend money.	True	False	N/A
7.	I know how easy it is to spend money, so I:
	• Look for spending leaks.	True	False	N/A
	• Make a spending plan.	True	False	N/A
	• Comparison shop.	True	False	N/A
	• Stand up to peer pressure from friends or family to spend money	True	False	N/A
8.	I know what expensive financial services to avoid.	True	False	N/A
Understanding Credit
9.	I understand what credit is and why I need it.	True	False	N/A
10.	I understand the disadvantages of credit.	True	False	N/A
11.	I know about all the different types of credit I can use.	True	False	N/A
12.	I know what it costs to use credit.	True	False	N/A
13.	I know how to calculate the true cost of something purchased with credit.	True	False	N/A
Establishing and Building Credit
14.	I pay all of my bills on time, every month.	True	False	N/A
15.	I have accounts (for example, savings and/or checking) at a financial institution.	True	False	N/A
16.	I know how to use a credit card so it improves my credit.	True	False	N/A
Working with a Financial Institution, Credit Union or Bank and Saving Money
17.	I know the benefits of working with a financial institution.	True	False	N/A
18.	I understand how financial institutions and credit are connected.	True	False	N/A
19.	I understand that saving even the smallest amount of money is a good habit, and I know a variety of ways to save small amounts.	True	False	N/A
20.	I know what financial institution services can help me manage my money.	True	False	N/A
21.	I am familiar with fees financial institutions charge and know what to look for.	True	False	N/A
22.	I am comfortable looking for a financial institution to work with.	True	False	N/A
Reading a Credit Report
23.	I understand what credit reporting agencies are.	True	False	N/A
24.	I know what a credit report is.	True	False	N/A
25.	I know what to look for when I read my credit report.	True	False	N/A
26.	I know who is able to look at my credit report.	True	False	N/A
27.	I know what lenders look for when they read my credit report.	True	False	N/A
28.	I know how to order my free credit reports.	True	False	N/A
29.	I know how to order my credit score.	True	False	N/A
30.	I know when I need to order a copy of and read my credit report.	True	False	N/A
31.	I know how to correct errors on my credit report.	True	False	N/A
32.	I am familiar with my credit rights.	True	False	N/A
Improving Credit
33.	I know what financial behaviors improve my credit.	True	False	N/A
34.	I have a debt reduction plan.	True	False	N/A
35.	If I'm in a credit crisis and can't pay all of my bills, I know which ones to pay first.	True	False	N/A
36.	I know the difference between what credit counseling agencies and debt reduction businesses can do for me, and how each affects my credit.	True	False	N/A
37.	I know how to shop around for a reliable debt-reduction agency.	True	False	N/A
Protecting My Money
38.	I know what I need to do to avoid being ripped off.	True	False	N/A
Protecting My Identity
39.	I understand what identity theft is.	True	False	N/A
40.	I know the signs of having my identity stolen.	True	False	N/A
41.	I know what to do if my identity is stolen.	True	False	N/A
Using Credit Cards
42.	I know how to use credit cards to improve my credit.	True	False	N/A
43.	I know all the fees my credit card companies can charge me, and when they can charge them.	True	False	N/A
44.	I pay off my credit card balance every month.	True	False	N/A
45.	I know when credit card companies can increase the interest rate on my balance without letting me know ahead of time.	True	False	N/A
46.	I negotiate terms with my credit card companies.	True	False	N/A
47.	I know the signs of having too much debt.	True	False	N/A
Finding and Keeping a Job
48.	I have a strategy for finding a better-paying job.	True	False	N/A
49.	I know how to fill out an application that an employer will want to read.	True	False	N/A
50.	I am comfortable writing a resume and cover letter that will get an employer's attention.	True	False	N/A
51.	I've been called for an interview and have practiced answers to potential interview questions.	True	False	N/A
52.	I understand what job benefits my employer might provide.	True	False	N/A
53.	I've asked my employer how I can qualify for training programs to advance my work skills.	True	False	N/A
54.	I understand everything listed on my paycheck.	True	False	N/A
55.	I understand what the Earned Income Tax Credit (EITC) is and how it can help me.	True	False	N/A
56.	I understand what the Advance Earned Income Tax Credit is and how it can help me.	True	False	N/A
57.	I understand what an Individual Development Account (IDA) is and how fast it can make my savings grow.	True	False	N/A
58.	I can spot an employment scam when I see one.	True	False	N/A
Getting Childcare
59.	I know what child care options to look for.	True	False	N/A
60.	I know how to evaluate a day care center.	True	False	N/A
61.	I understand the options I have in paying for child care.	True	False	N/A
Advancing My Education or Job Skills
62.	I know what resources are available for getting my GED.	True	False	N/A
63.	I know approximately how much more I could earn by completing a vocational program or getting a degree from a two- to four-year college.	True	False	N/A
64.	I am familiar with various education options, and how to lower the cost of education.	True	False	N/A
65.	I am comfortable evaluating schools I might go to.	True	False	N/A
Owning a Home
66.	I understand how owning a home is connected to financial fitness.	True	False	N/A
67.	I know the financial risks of owning a home.	True	False	N/A
68.	I know about all the added expenses I'll have when I own a new home.	True	False	N/A
69.	I have a good idea of potential home repairs I might have to deal with as my home ages.	True	False	N/A
70.	I know how to avoid a dishonest contractor.	True	False	N/A