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Self Assessment Debt Quiz

Not sure what your best options are for dealing with your debt? Your financial situation may be unique, but by answering these simple questions we can determine which debt relief option might be right for you. Get started now! 


1. Do you pay your bills on time?    

      a). Yes b). No     


2. Is a large portion of your income going towards your debt(s)?     

      a). Yes b). No   


3. Are you over the limit(s) on your credit card(s)?      

      a). Yes b). No 


4. Are you only making the minimum payments on your credit?       

      a). Yes b). No 


5. Do you use credit for everyday expenses?    

      a). Yes b). No


6. Do you find it difficult to keep utilities up to date?    

      a). Yes b). No


7. Do you rely on overtime, tips, or bonuses to make ends meet?     

      a). Yes b). No


8. Are you avoiding the phone when it rings for fear of who is calling?      

      a). Yes b). No


9. Have you consolidated debts and now have new credit card balances?    

      a). Yes b). No


10. Do you take cash advances on one credit card to pay another?          

      a). Yes b). No


11. Are you losing sleep at night worrying about your financial situation?           

      a). Yes b). No


12. Do finances cause stress and arguments at home?       

      a). Yes b). No


13. Are you unsure of how much you owe in total?

      a). Yes b). No



Add up the number of questions you answered with “YES” and look at the scoring below to gauge your financial fitness.


You are doing just fine managing your money – keep up the good work!

1 – 2      

Overall, you’re doing okay.  Keep an eye on your budget and continue to use credit wisely.  Now maybe the time to learn more about your credit rating and how it can affect your life.

3 – 6      

There’s no crisis – yet – but you may be heading for one. You need to get your spending under control by creating a monthly budget.

7 – 9      

You’re definitely in the danger zone. Write down all your monthly expenses and income and make an appointment with one of our accredited debt counsellors. We can help get you back on track.

10 and above

Seek debt advice straight away. DEBT CRISIS ALERT! You need serious debt management assistance.  Call us now. A debt management program may be what you need to help you achieve your financial goals.

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