FinSmart Insight

Money Habits

Question 1 of 10

1. How do you typically manage your monthly income?

I plan my income carefully and allocate it across expenses, savings, and investments

I have a general plan for how I use my income

I spend first and adjust later

I often run out of money before the month ends

Money Habits

Question 2 of 10

2. How often do you track your expenses?

I consistently track all my expenses

I track most of my expenses

I occasionally track my expenses

I do not track my expenses

Money Habits

Question 3 of 10

3. How do you approach saving money?

I save consistently and intentionally before spending

I save regularly but not always consistently

I save occasionally when I have extra money

I rarely or never save

Money Habits

Question 4 of 10

4. How do you handle impulse spending?

I rarely make impulse purchases and stick to my plan

I sometimes make impulse purchases but stay within limits

I often make impulse purchases

I frequently spend impulsively and regret it later

Money Habits

Question 5 of 10

5. How do you prioritize your financial obligations (bills, rent, loans)?

I always prioritize and pay obligations on time

I usually pay on time with occasional delays

I sometimes delay payments

I often miss or struggle with payments

Money Habits

Question 6 of 10

6. How do you approach financial planning?

I actively plan for short-term and long-term financial goals

I have some financial plans but don’t review them often

I think about planning but haven’t taken clear action

I do not engage in financial planning

Money Habits

Question 7 of 10

7. How do you manage unexpected expenses?

I am prepared with savings and handle them without stress

I manage using savings or adjustments

I rely on borrowing or credit when needed

I struggle significantly when unexpected expenses arise

Money Habits

Question 8 of 10

8. How consistent are you with your financial habits (saving, budgeting, tracking)?

I am very consistent and disciplined

I am mostly consistent with occasional lapses

I am inconsistent

I rarely maintain any financial habits

Money Habits

Question 9 of 10

9. How do you make spending decisions?

I make intentional decisions aligned with my goals

I consider my needs but sometimes overspend

I often spend without much planning

My spending is mostly unplanned

Money Habits

Question 10 of 10

10. Are you actively working to grow or diversify your income?

Yes, I have multiple income streams

Yes I am exploring additional income opportunities

I have thought about it but not taken action

No, I rely entirely on one source of income

Savings

Question 1 of 10

11. How often do you contribute to your savings account?

Every month

Every few months

Once a year or less

I do not contribute to savings

Savings

Question 2 of 10

12. Do you have a specific savings goal (e.g.emergency fund, Kids Education, retirement)?

Yes, I have multiple savings goals

Yes, I have one savings goal

No, I do not have specific savings goals

I have not thought about setting savings goals

Savings

Question 3 of 10

13. How many months of living expenses have you saved for emergencies?

6 months or more

3-5 months

1-2 months

I do not have any savings for emergencies

Savings

Question 4 of 10

14. Do you have a separate account for short-term and long-term savings?

Yes, I have separate accounts

No, I use one account for savings

I do not have any savings accounts

I am not sure

Savings

Question 5 of 10

15. How regularly do you review and adjust your savings goals?

Every month

Every few months

Once a year

I do not review or adjust my savings goals

Savings

Question 6 of 10

16. Do you have an automatic transfer set up to contribute to your savings?

Yes, I automate my savings contributions

No, I manually deposit savings

I do not have savings contributions

I am not sure

Savings

Question 7 of 10

17. Are you satisfied with the interest rate you are earning on your savings?

Yes, I am satisfied

No, I am not satisfied

I am not sure what interest rate I am earning

I do not have savings

Savings

Question 8 of 10

18. How confident are you in your ability to save for unexpected expenses?

Very confident

Somewhat confident

Not very confident

I do not save for unexpected expenses

Savings

Question 9 of 10

19. Do you track your savings progress regularly?

Yes, I track my progress monthly

Yes, I track my progress quarterly

No, I do not track my savings progress

I do not have savings

Savings

Question 10 of 10

20. Have you met your savings goals in the past year?

Yes, I have met all my savings goals

Yes, I have met some of my savings goals

No, I have not met my savings goals

I do not have savings goals

Debt Management

Question 1 of 10

21. Do you know the total amount of your outstanding debt, including mobile loans, digital loans, group loans, Sacco loans and bank loans?

I do not have a debt

Yes, I'm aware of most of my debts

No, I'm not sure of all my debts

No, I don't know my total debt

Debt Management

Question 2 of 10

22. How many different sources of debt do you currently have (e.g., credit cards, mobile loans, digital loans, group loans, Sacco loans, bank loans)?

I do not have a debt

1-4 sources

5-6 sources

More than 6 sources

Debt Management

Question 3 of 10

23. Are you able to make at least the minimum payments on all your debts each month?

I do not have a debt

I can make most minimum payments

I struggle to make minimum payments

No, I can't make minimum payments on some debts

Debt Management

Question 4 of 10

24. Have you created a plan to pay off your debts?

I do not have a debt

Yes, I have a basic plan

No, but I intend to create a plan

No, I don't have a plan

Debt Management

Question 5 of 10

25. How often do you review your debt repayment plan?

I do not have a debt

Monthly

Every few months

I don't have a debt repayment plan

Debt Management

Question 6 of 10

26. Are you aware of the interest rates on each of your debts, including mobile loans, digital loans, group loans, Sacco loans, and bank loans?

I do not have a debt

Yes, I know most interest rates

No, I'm not sure of all interest rates

No, I don't know any interest rates

Debt Management

Question 7 of 10

27. Do you feel overwhelmed by your current level of debt?

I do not have a debt

Not overwhelmed

Somewhat overwhelmed

Yes, very overwhelmed at all

Debt Management

Question 8 of 10

28. Have you considered debt consolidation or refinancing options for your debts?

I do not have a debt

Yes, but I haven't explored options yet

No, I haven't considered these options

No, I don't know what these options are

Debt Management

Question 9 of 10

29. Do you avoid taking on new debt whenever possible?

I do not have a debt

Yes, I mostly avoid new debt

No, I sometimes take on new debt

No, I often take on new debt

Debt Management

Question 10 of 10

30. How confident are you in your ability to become debt-free?

I do not have a debt

Confident

Somewhat confident

Not confident

Budgeting

Question 1 of 10

31. Do you have a monthly budget in place?

Yes, I have a detailed monthly budget

Yes, I have a general monthly budget

No, I do not have a monthly budget

I am not sure what a monthly budget is

Budgeting

Question 2 of 10

32. How often do you review and adjust your budget?

Monthly

Every few months

Annually

I do not have a budget

Budgeting

Question 3 of 10

33. Do you track all your income and expenses regularly?

Yes, I track all income and expenses

I track most income and expenses

No, I do not track income and expenses

I do not have a budget

Budgeting

Question 4 of 10

34. Are you able to stick to your budget consistently?

Yes, I stick to my budget every month

I stick to my budget most months

No, I struggle to stick to my budget

I do not have a budget

Budgeting

Question 5 of 10

35. How do you handle unexpected expenses in your budget?

I have an emergency fund for unexpected expenses

I adjust my budget to accommodate unexpected expenses

I use credit cards or loans to cover unexpected expenses

I do not have a budget

Budgeting

Question 6 of 10

36. Do you allocate a portion of your budget to savings and investments?

Yes, I allocate a specific amount to savings and investments

I allocate some money to savings and investments

No, I do not allocate money to savings and investments

I do not have a budget

Budgeting

Question 7 of 10

37. Are you aware of your fixed and variable expenses?

Yes, I know my fixed and variable expenses

I know most of my fixed and variable expenses

No, I am not sure of my fixed and variable expenses

I do not have a budget

Budgeting

Question 8 of 10

38. How often do you use credit cards or loans to cover budget shortfalls?

Never

Rarely

Sometimes

Often

Budgeting

Question 9 of 10

39. Do you have any discretionary spending limits in your budget?

Yes, I have set limits on discretionary spending

I have some limits on discretionary spending

No, I do not have limits on discretionary spending

I do not have a budget

Budgeting

Question 10 of 10

40. How satisfied are you with your current budgeting system

Very satisfied

Somewhat satisfied

Not very satisfied

I do not have a budget

Investments

Question 1 of 10

41. Do you have an investment portfolio?

Yes, I have a diversified portfolio

Yes, but it's not well-diversified

No, I do not have any investments

No, but I am planning to start investing soon

Investments

Question 2 of 10

42. How often do you review and adjust your investment portfolio?

Quarterly or more frequently

Annually

Every few years

I do not review my investments regularly

Investments

Question 3 of 10

43. Are your investments aligned with your risk tolerance and financial goals?

Yes, I have considered my risk tolerance and goals

Somewhat, I'm not sure if they are aligned

No, I haven't considered risk tolerance and goals

I do not have investments

Investments

Question 4 of 10

44. How do you stay informed about your investment performance?

Regularly monitor my investments online

Review statements from investment providers

I am not actively monitoring my investments

I do not have investments

Investments

Question 5 of 10

45. Do you have a specific investment strategy (e.g., growth, income, balanced)?

Yes, I have a clear strategy

Somewhat, I have a general idea

No, I do not have a strategy

I do not have investments

Investments

Question 6 of 10

46. Have you diversified your investments across different asset classes (e.g., stocks, bonds, real estate)?

Yes, I have a diversified portfolio

Somewhat, but could diversify more

No, I have not diversified my investments

I do not have investments

Investments

Question 7 of 10

47. How satisfied are you with the performance of your investments?

Very satisfied

Somewhat satisfied

Neutral

Dissatisfied

Investments

Question 8 of 10

48. Have you experienced significant gains or losses in your investments recently?

Yes, significant gains

Yes, significant losses

No, minimal gains or losses

I do not have investments

Investments

Question 9 of 10

49. Do you seek professional advice for your investment decisions?

Yes, regularly consult with a financial advisor

Occasionally seek advice from a financial advisor

No, I do not consult with a financial advisor

I do not have investments

Investments

Question 10 of 10

50. Are you comfortable with the level of risk in your investment portfolio?

Yes, comfortable with my risk level

Somewhat comfortable, but have concerns

No, not comfortable with my risk level

I do not have investments

Retirement Planning

Question 1 of 10

51. Have you calculated how much money you will need for retirement?

Yes, I have a clear retirement goal

Somewhat, I have a rough estimate

No, I have not calculated my retirement needs

I have not started planning for retirement

Retirement Planning

Question 2 of 10

52. Are you currently contributing to a retirement savings plan (e.g. pension, insurance?)

Yes, maximizing my contributions

Yes, contributing regularly

No, not currently contributing

I do not have a retirement savings plan

Retirement Planning

Question 3 of 10

53. How often do you review your retirement plan and contributions?

Annually or more frequently

Every few years

Rarely

I do not have a retirement plan

Retirement Planning

Question 4 of 10

54. Are you taking advantage of employer matching contributions to your retirement plan?

Yes, maximizing employer match

Yes, contributing to receive employer match

No, not taking advantage of employer match

I do not have a retirement plan

Retirement Planning

Question 5 of 10

55. Do you have a target retirement age?

Yes, I have a specific age in mind

Somewhat, I have a general idea

No, I have not thought about a retirement age

I do not have a retirement plan

Retirement Planning

Question 6 of 10

56. How confident are you in your ability to retire comfortably?

Very confident

Somewhat confident

Neutral

Not confident

Retirement Planning

Question 7 of 10

57. Have you diversified your retirement investments?

Yes, across different asset classes

Somewhat, but could diversify more

No, not diversified

I do not have a retirement plan

Retirement Planning

Question 8 of 10

58. Do you know the expected rate of return on your retirement investments?

Yes, I am aware of the expected return

Somewhat, I have a general idea

No, I am not sure about the expected return

I do not have a retirement plan

Retirement Planning

Question 9 of 10

59. Are you aware of the tax implications of your retirement savings?

Yes, I understand the tax implications

Somewhat, I am aware of some tax implications

No, I am not familiar with the tax implications

I do not have a retirement plan

Retirement Planning

Question 10 of 10

60. Have you consulted a financial advisor for retirement planning?

Yes, regularly consult with a financial advisor

Occasionally seek advice from a financial advisor

No, I have not consulted a financial advisor

I do not have a retirement plan

Insurance

Question 1 of 10

61. Do you have health insurance coverage?

Yes, comprehensive coverage

Yes, basic coverage

No, I do not have health insurance

I am not sure

Insurance

Question 2 of 10

62. Are you aware of the types of insurance you need (e.g., life, health, disability)?

Yes, I have various types of insurance

Somewhat, I have a few types of insurance

No, I am not familiar with the types of insurance

I do not have insurance

Insurance

Question 3 of 10

63. How often do you review your insurance policies?

Annually or more frequently

Every few years

Rarely

I do not have insurance

Insurance

Question 4 of 10

64. Do you have sufficient coverage to protect against major risks?

Yes, I have adequate coverage

Somewhat, but may need additional coverage

No, I do not have sufficient coverage

I do not have insurance

Insurance

Question 5 of 10

65. Have you compared different insurance providers and plans?

Yes, I regularly compare insurance options

Occasionally compare insurance options

No, I have not compared insurance options

I do not have insurance

Insurance

Question 6 of 10

66. Do you know the terms and conditions of your insurance policies?

Yes, I am familiar with the terms and conditions

Somewhat, I have a general idea

No, I am not familiar with the terms and conditions

I do not have insurance

Insurance

Question 7 of 10

67. How confident are you in your current level of insurance coverage?

Very confident

Somewhat confident

Neutral

Not confident

Insurance

Question 8 of 10

68. Have you made any claims on your insurance in the past year?

Yes, multiple claims

Yes, one claim

No, I have not made any claims

I do not have insurance

Insurance

Question 9 of 10

69. Do you have an emergency fund to cover deductibles and out-of-pocket expenses?

Yes, I have an emergency fund

Somewhat, I have started an emergency fund

No, I do not have an emergency fund

I do not have insurance

Insurance

Question 10 of 10

70. Have you consulted with an insurance advisor to evaluate your needs?

Yes, regularly consult with an insurance advisor

Occasionally seek advice from an insurance advisor

No, I have not consulted with an insurance advisor

I do not have insurance

Financial Knowledge

Question 1 of 10

71. Do you understand basic financial concepts (e.g., leverage, interest rates, inflation)?

Yes, very well

Yes, somewhat

No, not really

No, not at all

Financial Knowledge

Question 2 of 10

72. How often do you read financial news or literature?

Daily

Weekly

Monthly

Rarely or never

Financial Knowledge

Question 3 of 10

73. When you think about your finances, what emotion comes up most often?

Calm and in control

Anxious or stressed

Ashamed or embarrassed

Numb or avoidant - I try not to think about it

Financial Knowledge

Question 4 of 10

74. Do you know how to create and manage a personal budget?

Yes, very proficient

Yes, somewhat

No, not really

No, not at all

Financial Knowledge

Question 5 of 10

75. How confident are you in making informed financial decisions?

Very confident

Confident

Somewhat confident

Not confident

Financial Knowledge

Question 6 of 10

76. Have you attended any financial education workshops or courses?

Yes, several

Yes, a few

No, but I plan to

No, and I don't plan to

Financial Knowledge

Question 7 of 10

77. Do you seek advice from financial professionals?

Yes, regularly

Occasionally

Rarely

Never

Financial Knowledge

Question 8 of 10

78. Are you aware of different investment options and their risks?

Yes, very aware

Yes, somewhat aware

No, not very aware

No, not aware at all

Financial Knowledge

Question 9 of 10

79. How would you describe your overall relationship with money?

Healthy - Money is a tool I use with confidence

Improving - I am working on it

Complicated - Money causes me stress or confusion

Broken, I feel completely out of control

Financial Knowledge

Question 10 of 10

80. How proactive are you in improving your financial knowledge?

Very proactive

Proactive

Somewhat proactive

Not proactive

Financial Goals

Question 1 of 10

81. Have you set specific, measurable financial goals?

Yes, multiple goals

Yes, one main goal

No, but I have some ideas

No, I haven't thought about it

Financial Goals

Question 2 of 10

82. How often do you review and adjust your financial goals?

Quarterly or more frequently

Annually

Occasionally

Rarely or never

Financial Goals

Question 3 of 10

83. Do you have short-term, medium-term, and long-term financial goals?

Yes, all three types

Yes, two types

Yes, one type

No, I haven't categorized them

Financial Goals

Question 4 of 10

84. How confident are you in achieving your financial goals?

Very confident

Confident

Somewhat confident

Not confident

Financial Goals

Question 5 of 10

85. Do you have a written plan to achieve your financial goals?

Yes, a detailed plan

Yes, a general plan

No, but I have some ideas

No, I haven't thought about it

Financial Goals

Question 6 of 10

86. Are your financial goals aligned with your values and priorities?

Completely aligned

Mostly aligned

Partially aligned

Not aligned

Financial Goals

Question 7 of 10

87. Do you track your progress towards your financial goals regularly?

Yes, monthly or more frequently

Yes, quarterly

Yes, annually

No, I don't track my progress

Financial Goals

Question 8 of 10

88. Have you identified potential obstacles to achieving your financial goals?

Yes, and I have strategies to overcome them

Yes, but I haven't planned how to overcome them

No, I haven't identified obstacles

No, I haven't thought about it

Financial Goals

Question 9 of 10

89. Do you celebrate milestones when you reach your financial goals?

Yes, always

Yes, sometimes

No, rarely

No, never

Financial Goals

Question 10 of 10

90. Have you sought advice from a financial advisor to help set and achieve your goals?

Yes, regularly

Yes, occasionally

No, but I plan to

No, I haven't considered it

Emergency Preparedness

Question 1 of 10

91. Do you have an emergency fund?

Yes, fully funded

Yes, partially funded

No, but I plan to start one soon

No, and I don't plan to start one

Emergency Preparedness

Question 2 of 10

92. How many months of living expenses do you have saved for emergencies?

6 months or more

3-5 months

1-2 months

Less than 1 month

Emergency Preparedness

Question 3 of 10

93. Have you experienced a financial emergency in the past year?

Yes, and I was financially prepared

Yes, but I was not financially prepared

No, I haven't experienced a financial emergency

Not applicable

Emergency Preparedness

Question 4 of 10

94. How confident are you in your ability to handle a financial emergency?

Very confident

Confident

Somewhat confident

Not confident

Emergency Preparedness

Question 5 of 10

95. Do you have insurance coverage for major risks (e.g., health, property)?

Yes, comprehensive coverage

Yes, basic coverage

No, but I plan to get coverage

No, and I don't plan to get coverage

Emergency Preparedness

Question 6 of 10

96. Are you aware of the potential financial impact of emergencies on your budget?

Yes, I have planned for it

Yes, but I haven't planned for it

No, I haven't thought about it

Not applicable

Emergency Preparedness

Question 7 of 10

97. Have you created a financial emergency plan?

Yes, a detailed plan

Yes, a general plan

No, but I have some ideas

No, I haven't thought about it

Emergency Preparedness

Question 8 of 10

98. Do you regularly contribute to your emergency fund?

Yes, every month

Yes, occasionally

No, but I plan to start contributing

No, and I don't plan to start contributing

Emergency Preparedness

Question 9 of 10

99. How quickly can you access your emergency funds if needed?

Immediately

Within a few days

Within a week

Longer than a week

Emergency Preparedness

Question 10 of 10

100. Have you consulted with a financial advisor to prepare for emergencies?

Yes, regularly

Yes, occasionally

No, but I plan to

No, I haven't considered it

Your Financial Score

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Welcome to FinSmart Insight, your Financial Wellness Assessment

Money Habits

Question 1 of 10

1. How do you typically manage your monthly income?

Money Habits

Question 2 of 10

2. How often do you track your expenses?

Money Habits

Question 3 of 10

3. How do you approach saving money?

Money Habits

Question 4 of 10

4. How do you handle impulse spending?

Money Habits

Question 5 of 10

5. How do you prioritize your financial obligations (bills, rent, loans)?

Money Habits

Question 6 of 10

6. How do you approach financial planning?

Money Habits

Question 7 of 10

7. How do you manage unexpected expenses?

Money Habits

Question 8 of 10

8. How consistent are you with your financial habits (saving, budgeting, tracking)?

Money Habits

Question 9 of 10

9. How do you make spending decisions?

Money Habits

Question 10 of 10

10. Are you actively working to grow or diversify your income?

Savings

Question 1 of 10

11. How often do you contribute to your savings account?

Savings

Question 2 of 10

12. Do you have a specific savings goal (e.g.emergency fund, Kids Education, retirement)?

Savings

Question 3 of 10

13. How many months of living expenses have you saved for emergencies?

Savings

Question 4 of 10

14. Do you have a separate account for short-term and long-term savings?

Savings

Question 5 of 10

15. How regularly do you review and adjust your savings goals?

Savings

Question 6 of 10

16. Do you have an automatic transfer set up to contribute to your savings?

Savings

Question 7 of 10

17. Are you satisfied with the interest rate you are earning on your savings?

Savings

Question 8 of 10

18. How confident are you in your ability to save for unexpected expenses?

Savings

Question 9 of 10

19. Do you track your savings progress regularly?

Savings

Question 10 of 10

20. Have you met your savings goals in the past year?

Debt Management

Question 1 of 10

21. Do you know the total amount of your outstanding debt, including mobile loans, digital loans, group loans, Sacco loans and bank loans?

Debt Management

Question 2 of 10

22. How many different sources of debt do you currently have (e.g., credit cards, mobile loans, digital loans, group loans, Sacco loans, bank loans)?

Debt Management

Question 3 of 10

23. Are you able to make at least the minimum payments on all your debts each month?

Debt Management

Question 4 of 10

24. Have you created a plan to pay off your debts?

Debt Management

Question 5 of 10

25. How often do you review your debt repayment plan?

Debt Management

Question 6 of 10

26. Are you aware of the interest rates on each of your debts, including mobile loans, digital loans, group loans, Sacco loans, and bank loans?

Debt Management