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Getting financially fit

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If you feel financially secure and can achieve your financial goals, then you may consider yourself financially healthy.

People who are financially healthy tend to share several characteristics:

Even if you already practise many of these healthy habits, there's always room to improve and you may even increase your financial health.

How financially capable are you?

Healthy

I rarely feel stressed when I think about my finances.

I live within my means.

I feel confident to talk openly with friends and loved ones if money becomes a concern.

I could handle a major unexpected expense without any hardship.

I am proactively planning for my future and retirement.

I find it easy to access reliable advice and support.

Coping

I can meet my day-to-day bills and outgoings most of the time.

I occasionally feel stressed when I think about my finances.

I am able to save a little from time to time.

I'm able to talk openly with friends and loved ones if money becomes a concern.

I could handle a major unexpected expense without any hardship.

I know where to find some reliable financial advice and support.

Struggling

I find it hard to talk openly with friends and loved ones if money becomes a concern.

I often have to borrow money to pay for needs, like food and utilities.

I often feel stressed when I think about my finances.

I don't have a plan for my future or retirement.

I couldn't handle a major unexpected expense, it would cause some hardship.

I find it hard to find reliable financial advice and support.

Unwell

I always feel stressed when I think about my finances.

I would never talk openly with friends and loved ones if money becomes a concern.

I have credit card and other debt that I cannot manage.

I couldn't handle a major unexpected expense, it would be a significant hardship.

I have no idea where to find reliable financial advice and support.

Take the next step

Financial wellbeing

Young couple shopping in mall; image used for spend wisely
Be in control of what you spend on bills, savings and debts
Girl looking up; image used for free up funds
Creative ways to reduce your expenses
Mother and son blowing bubbles in the park; image used for build emergency savings
Put money away for those unexpected events