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Budget Assessment Worksheet
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Budget Assessment Worksheet
Instructions:
This worksheet helps you assess your budgeting habits and identify areas for improvement. Answer the questions honestly based on your financial behavior over the past month.
0 = Never
1 = Rarely
2 = Sometimes
3 = Often
4 = Always
Each response earns points. Add up your score at the end to interpret your results.
Questions
1. I track my income and expenses regularly (e.g., in a notebook, app, or spreadsheet).
0
1
2
3
4
2. I stick to a monthly budget that includes all my necessary expenses.
0
1
2
3
4
3. I save a portion of my income every month (no matter how small).
0
1
2
3
4
4. I prioritize paying bills (e.g., rent, utilities, groceries) before other expenses.
0
1
2
3
4
5. I plan for unexpected expenses by keeping an emergency fund.
0
1
2
3
4
6. I avoid unnecessary spending on things I don’t need.
0
1
2
3
4
7. I set financial goals (e.g., education, savings, homeownership) and work toward them.
0
1
2
3
4
8. I feel in control of my finances and spending habits.
0
1
2
3
4
Add up your points for all 8 questions:
Interpretation of Results:
28–32 Points: Excellent Budgeting Habits
You have strong financial discipline and are effectively managing your budget. Keep up the great work!
20–27 Points: Good Budgeting Habits
You’re doing well, but there’s room for improvement. Focus on increasing savings or tracking expenses more closely.
10–19 Points: Moderate Budgeting Issues
Your budgeting habits need attention. Start by tracking your spending, prioritizing essentials, and reducing unnecessary expenses.
0–9 Points: Poor Budgeting Habits
You may be struggling to manage your finances. Consider seeking professional support to create a budget and work toward financial stability
What’s Next?
If you find it challenging to manage your budget, the Zan Center offers financial coaching to help you gain control over your spending, save effectively, and plan for the future.
Disclaimer: This tool is for self-assessment only. For personalized advice, consult a financial advisor. This scale is a general modified guide for Pakistani population.
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