Evaluate Your Financial Health with this Self-Assessment | Education - Credit Counselling Society

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Finding Answers and Solutions

Get a quick assessment your financial situation and potential next steps to improve it.

Financial Assessment

Evaluate Your Financial Health With This Self-Assessment

Take a moment to reflect on how things have been going with your finances and select the statements that best describe you:

Paying my bills on time

Paying for my monthly expenses without borrowing

Putting money away for my goals (e.g. retirement, emergencies, vacations)

Reviewing my budget regularly in order to make room for things that matter to me

Educating myself on different financial products

Regularly using my overdraft.

Dealing with a financial emergency by using credit.

Regularly using credit to supplement monthly expenses.

Unable to save money for education and/or retirement.

Moderately stressed about money.

Only making minimum payments on maxed-out credit cards/lines of credit.

Fighting with my spouse/partner about finances.

Worrying and losing sleep over finances.

Selling investments (e.g., RRSP) to pay down debt.

Moderately to highly stressed about money.

Being declined for any type of loan or credit request.

Behind on my payments.

Receiving collection calls.

Being charged NSF fees regularly.

Considering or using payday loans.

Highly stressed about money.

Please check the box beside each statement that reflects your situation.



CRISIS

Action Steps to Take

Immediately contact us and speak with one of our credit counsellors for a free, confidential assessment and discussion on options available



PRE-CRISIS

Action Steps to Take

Speak with your financial institution about options as soon as possible
Immediately contact us and speak with one of our credit counsellors for a free, confidential assessment and discussion on options available



CONCERNED

Action Steps to Take

Create a budget and start expense tracking
Reduce expenses, where possible
Speak with your financial institution about options
Attend free online budgeting webinars
Sign up for the CCS Learning Hub
Immediately contact us and speak with one of our credit counsellors for a free, confidential assessment and discussion on options available



CONFIDENT

Action Steps to Take

If you don’t have one, create a budget
If you don’t already, build the habit of tracking your expenses
Sign up for the CCS Learning Hub for more learning.\
Check nomoredebts.org for new resources to support your ongoing financial success
Sign up for the CCS monthly newsletter to receive new tips and tricks

Financial improvement is a journey.

Keep learning along the way.

Receive tips and strategies every month to improve your finances.
Sign up for our monthly newsletter.

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