Assess Your Financial Wellbeing

Determine how well you are managing your finances through this insightful quiz and learn how the credit union can help you.

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How often do you budget or track your personal expenses?

I do not budget or track my expenses.

I occasionally set a budget or review my expenses.

I regularly maintain a detailed budget and track all my expenses.

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Do you have an emergency fund to cover unexpected expenses?

No, I have not set aside an emergency fund.

Yes, I have a small fund, but it may not cover all emergencies.

Yes, I have an emergency fund that can cover several months of living expenses.

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How often do you find yourself short at the end of the week/month?

I often find myself short.

I rarely find myself short at the end of the month.

I never find myself short at the end of

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What is your approach to debt management?

I often find myself struggling to manage my debts.

I keep track of my debts and am making steady progress in paying them off.

I have a strategic debt repayment plan and good control over my debt levels.

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How well do you plan for Christmas expenses?

I typically do not plan for Christmas expenses throughout the year by saving. I use credit to cover the cost.

I save money for Christmas and top the remainder up with credit.

I save yearly for Christmas and do not rely on credit to cover remaining costs.

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What is your approach to saving for long-term goals, such as retirement?

I have not yet started saving for long-term goals.

I am saving, but I do not have a definitive plan or goal.

I have a clear saving strategy and roadmap for my long-term financial goals.

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How would you describe your readiness for financial emergencies or unexpected large expenses?

I am not prepared for unexpected financial emergencies.

I may be able to handle some small emergencies, but significant expenses would be a challenge.

I am fully prepared to manage financial emergencies without impacting my long-term financial health.

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You Could Benefit From Our Help

You may be at the beginning of your financial literacy journey with room to learn about managing your money effectively.

Join 1st Class today to begin building savings, changing habits, explore how our debt consolidation loan can support you, and our other services.

You've Made a Great Start To Your Financial Wellbeing

You possess a good understanding of financial principles, though there is room for further improvement and stability.

Building savings with us for a rainy day, saving for Christmas, or exploring our Debt Consolidation loan or our loan products may help you further improve.

Well Done! What is Next?

You demonstrate a high degree of financial literacy and well-being, with robust strategies in place for managing your finances.

We can help you maintain this feeling by saving with our Christmas saver account or benefiting from our low lending APRs.