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 cheque book every month

I keep myself financially updated by reading consumer articles