• Do you know how to calculate your net worth?
• Do you know the difference between assets and liabilities?
• Do you have a written spending plan?
• Do you track expenses and review your spending plan regularly?
• Do you make adjustments in spending to stay within you spending plan?
• Do you usually pay off small balances (such as less than $500) within 30-90 days?
• Do you regularly pay bills on or before the due date?
• Do you have written short-term, mid-term, and long-term financial goals?
• Does your spending plan set aside 10% of your earnings for savings?
• Is your debt-to-income ratio higher than 20%?
• Do your have a relationship with a financial institution?  Checking?  Savings?
• Have you requested a copy of your credit report from each of the three credit bureaus within the last year?
• Is the information listed on your credit report current and accurate?
• When making purchases, do you shop around?
• Do you have health insurance?  Life insurance?
• If you work, are you enrolled in a retirement plan?
• Have you ever had a session with a certified financial planner?

If you answered ‘no’ to any of these questions, enroll now to talk with one of Sammy’s financial fitness advisors.