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Money Management Assessment Tool

Getting a sense of your overall financial health and money management goals can facilitate your planning and reduce stress.

Spending and Budgeting

Describe your current financial situation (check one).
___Stable___Improving___Declining

Do you have enough money each month to pay your bills?
___Yes___No

Would you like to manage your money and debts so you can pay your bills and have a little left over for savings?
___Yes___No

Do you have other concerns about managing money and debts? If yes, describe.


Credit and Debt Management

Do you know what your credit rating is?
___Yes___No

Do you understand how businesses use credit ratings to make decisions about you and other consumers?
___Yes___No

Do you know what you can do to improve your credit rating?
___Yes___No

Are you aware that credit counselors can work with you to create a plan for repaying your overdue bills and lower your overall debt?
___Yes___No

Do you have other questions or concerns about credit and debt management?

Repaying Defaulted Student Loans

Have you defaulted on a student loan(s) and need to repair it?
___ Yes___ No

Do you know that defaulted loans disqualify you for additional financial aid?
___Yes___No

Describe other concerns or questions you have about how to repay your defaulted student loans:

Paying Overdue Taxes to the IRS

If you have unpaid taxes due to the IRS, do you know how much you owe?
___Yes___No

Do you know what payment options are available for paying overdue taxes?
___Yes___No

Describe other questions or concerns you have about taxes due to the IRS.

Bankruptcy

Have you considered filing for bankruptcy?
___Yes___No

Have you consulted a professional for information and advice?
____Yes___No

Do you understand the procedures and consequences of filing for bankruptcy
and how to go about it?
___Yes___No

Describe other questions or concerns you have about filing for bankruptcy.

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