Consumer Credit Counseling Service of the CSRA

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Building financial stability...
one step at a time.

Financial Wellness Test

Instructions: Answer all 15 questions below to the best of your knowledge and then click "Grade Me!" to evaluate your financial well-being. Move your mouse over any words highlighted like this to see a definition.

[Definitions will appear in a pop-up tip such as this one.]

  1. Are you concerned your debts are getting out of control?
  2. Do you have a bank account?
  3. What percentage of your monthly take-home income goes toward payments to creditors (excluding mortgages)? (calculator)
  4. How much do you have in all savings accounts?
    [Savings would include contributions you make to retirement accounts (IRA, 401k, etc.).]
  5. On average, how often do you withdraw funds from savings?
  6. On how many credit cards do you carry balances month to month?
  7. Within the last year, how many new credit accounts did you open?
  8. Of the credit cards you carry balances on, are any over 30 days past due?
  9. Of the credit cards you carry balances on, are any over 60 days past due?
  10. In the past year, my unsecured debt has:
    [Debts that are not tied to any item of property: for instance, credit cards, signature loans, medical accounts, etc.]
  11. My credit score is:
  12. Are you behind on your mortgage or rent?
  13. On average, what portion of your total debt do you pay off each month?
  14. Within the last year, have you used credit to pay off other debts (including medical debt)?
  15. Within the last year, have you used credit to pay living expenses?
    [Necessities such as utilities, food, clothing, entertainment, car maintenance, housekeeping supplies, and personal care items.]



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  • COA: Council on Accreditation
  • Department of Housing and Urban Development
  • National Homeownership Industry Standards
  • Consumer Credit Counseling Service is a BBB Accredited Business. Click for the BBB Business Review of this Credit & Debt Counseling in Macon GA