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Time for your annual financial health self-assessment test

It's a new year and much like physical health, financial health is something we all want and for which we should be continually creating new goals. What better way to start off 2015 than with a quick evaluation of the overall health of your finances? This quiz, created by the Consumer Credit Counseling Service of Greater Dallas, will help you figure out which areas, if any, you need to be paying more attention to.

We'll start you out with a "gimme" question. We're only giving you one choice on it, so you can't get it wrong:

Q1. Do you want to be financially healthy?

Yes

Q2. How much is your credit card debt?

$0-$2,000
$2,001-$5,000
$5,001-$10,000
$10,001-$15,000
$15,001-$20,000
$20,001-$30,000
$30,001+

Q3. Are you on the brink of having your car repossessed?

Yes.
No

Q4. Can your emergency savings (not retirement savings) cover three months' living expenses?

Yes.
No.

Q5. Do you have enough money to pay your monthly bills?

Yes.
No.

Q6. Do you have a written monthly budget -- that you follow?

Yes.
No.

Q7. Do you pay your bills on time?

Yes, every time
Yes ... almost all the time.
Not really. I struggle with making payments on time.

Q8. Are you being hounded by creditors, or severely delinquent with one or more credit accounts?

Yes.
No.

Q9. Do you frequently check your checkbook balance or online financial statements?

Yes.
No.

Q10. Are you delinquent on your mortgage or facing foreclosure or eviction from your apartment?

Yes.
No.

Q11. Are you using credit cards to pay off debt, including other credit cards?

Yes.
No.

Q12. Do you know exactly what you spend each month?

Yes.
No.

Q13. Have you borrowed money from the equity in your home to pay bills?

Yes.
No.

Q14. Are you using credit cards to pay for necessities you used to pay for with cash?

Yes.
No.

Q15. Do you contribute regularly to your retirement account?

Yes.
No.

Q16. Are your credit lines maxed out, or close to it?

Yes.
No.

Q17. Has a medical crisis, divorce or layoff made your finances unmanageable?

Yes.
No.

Q18. Do you constantly argue with your significant other over finances?

Yes.
No.

Q19. Have you taken money from retirement accounts to pay bills?

Yes.
No.

Q20. Do you have enough insurance to pay for big, unexpected expenses?

Yes.
No.

Q21. Does worry about your debt cause you to have trouble sleeping?

Yes.
No.

Q22. Do you make only the minimum payments on your credit cards?

Yes.
No, I pay more than the minimum.
No, I pay less than the minimum.

Q23. Have you put off medical appointments because of their costs?

Yes.
No.