How Financially Fit Are You? – How Did You Score?

You're the picture of financial health.

You're sensible about using credit and take budgeting and saving seriously.

But you may still learn some valuable tips in this booklet.

You're in good shape, but keep an eye on your budget and your financial priorities.

Don't let credit use get out of hand, and watch impulse spending.

Pay particular attention to the section on smart credit use.

You could be heading towards financial trouble.

You need to get your spending under control immediately.

If you don't have a monthly budget, draw one up and follow it.

Put away your credit cards and cut out all unnecessary spending until you can answer "no" to all or most of the questions on the Financial Fitness Test.

This is a wake-up call.

You are likely in serious financial trouble and should get help.

Sit down with the budgeting charts in this book and calculate your income and expenses.

Once you have an idea where you stand, find a good financial counselor who will help you identify the problem areas and put together a workable plan to get you financially fit.

It may take time, but the pay off is worth it for your peace of mind and financial security.

At the back of this booklet, we have supplied a list of non-profit-making credit counseling agencies.

The sooner you call, the better.