How financially healthy are you? Bethany Ramos June 13, 2017 Take this quiz to check up on your financial health. If an emergency struck, would you have $1,000-$3,000 to pay for it? Yes, I have this money set aside in an emergency fund. I might be able to set this money aside if I pushed back some bills or budgeted for the next few months. I would not be able to come up with this money and would have to borrow or take out a loan.How much of your monthly income goes toward debt? 20% or less 30% 40%How much credit card debt do you have? I have debt, but I'm making payments every month. I currently can't keep track. I have no credit card debt; I pay off the balance each month.Do you have a written budget? I'm successfully using a budgeting tracker to save money or pay off debt. No. I have a budgeting tracker but often exceed my budget.Have you created financial goals for the future? I'm currently in debt and can't save for the future. I have some money in savings. I set aside money for retirement, my children's education, paying off my mortgage, and more.Do you spend less than you earn? Yes. I sometimes spend more than I earn and am working to pay off debt. I often live paycheck-to-paycheck.How often do you miss mortgage payments? I've missed 1-2 payments since owning my house. I'm currently behind on my mortgage. Never.How often do you pay bills late? No more than once a year. Monthly. I can't remember the last time I paid a bill late.Do you have a FICO credit score that will qualify you for competitive mortgage interest rates? 650 I don't know my credit score. 750Do you know when your mortgage may benefit from a refinance? I don't need a mortgage refinance. My financial needs have changed in the past few years, but I haven't updated my mortgage. I check in with my mortgage lender to review my mortgage rates at an annual appointment.Do you have health, car, life, and homeowner's insurance to protect against a wipe out of your savings? I'm fully insured. I'm uninsured. I'm missing insurance in one of these categories.Do you have your financial records accessible? I'm missing several important documents, like tax returns, mortgage paperwork, etc. I have most financial receipts and documents saved. I keep my financial record hard copies organized with backups saved to the computer.Do you know when traditional 401(k) contributions are deducted from your salary? Before taxes; 401(k) taxes are paid when money is withdrawn. After taxes; 401(k) taxes are paid now. I do not contribute to a 401(k).How much are you saving for retirement? I contribute less than 10% of my income with a company match. I contribute 15% or more of my income. I currently don't have any extra money to save for retirement.Do you know your mortgage interest rate? It's below current market rates. It's the same as current market rates. It's slightly above current market rates.