Do you think you have a handle on managing your money or do you feel your spending is out of sync with your income? Take Educators Credit Union's Financial Fitness Quiz to see how healthy your habits are. 

Fill in the box with the number that accurately completes each statement.

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* 1. I keep good records of important documents (e.g., tax forms, insurance policies and financial documents).

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* 2. I know my credit score or have reviewed my credit report within the last 12
months.

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* 3. I have money set aside for an emergency such as a car breakdown or medical
expenses.

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* 4. I have money set aside to cover living expenses for job loss or disability.

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* 5. I review my checking, credit card and other financial statements or history at
least monthly to make sure they are accurate.

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* 6. I normally save a percentage of my income every month.

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* 7. I am participating in my company’s 401(k), 403 (b), or 457 retirement program.

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* 8. I normally pay off my credit card(s) in full every month.

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* 9. I track or review my spending.

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* 10. I have medical, life and disability insurance.

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* 11. I have an up-to-date will, trust and/or health care power of attorney.

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* 12. I know the approximate interest rates on my loans, credit cards and savings accounts.

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* 13. I set financial goals and develop a budget or spending plan to fund or achieve them.

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