Please select the button that most accurately represents your current financial practices.

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Please answer all questions below

Always Sometimes Never
I pay the rent/mortgage and utility bills on time
I save 10 per cent of my net income
I try to keep three months of my net income in reserve for emergencies
I plan ahead for large expenses such as taxes and insurance
I set goals and keep a budget for my net income
I spend no more than 15 – 20 per cent of my net Income on credit payments, excluding home mortgage
I comparison shop for the purchase of most products or services
I use credit only for expensive purchases or when I have the money in the bank to cover the charge
I balance my chequebook every month
I keep myself financially updated by reading consumer articles