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Now that you have an idea of how you fit within the guidelines, think about your values and your financial preparedness. Ask yourself:
Am I able to cover my financial obligations?
Are you comfortable that you can cover these obligations if you lost your job or had some other catastrophic event happen? How long could you could cover your basic monthly expenses?
Am I worried when I have major spending decisions to make?
What influences your spending? Think about the motivation behind your spending decisions. If you're struggling to stop needless spending, you might benefit from counseling.
Do I have savings or monthly surplus available for discretionary (nonessential) spending?
Are you content with your savings or do you want to increase it? Are you dipping into savings or using credit cards to pay for entertainment, recreation and hobbies each month?
Do I have a personal definition of financial success?
How confident are you that you can achieve financial success by your own definition? Are you where you want to be?
Are the tactics I am using currently getting me closer to my goals?
Are you at ease with your financial plans or do you think they need adjusting to fit your goals and lifestyle? The secret to saving money is to put away a little at a time. Even small amounts can add up if you’re committed and have a plan.
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