Financial Well-Being Scale

Instructions:

This tool helps you assess your financial well-being based on your experiences over the past month. Answer each question honestly.

0 = Never

1 = Rarely

2 = Sometimes

3 = Often

4 = Always

Each response earns points. Add up your total score at the end to understand your financial well-being.

Questions

Interpretation of Results:

28–32 Points: Excellent Financial Well-Being

You are financially confident, secure, and in control. Keep up the good financial habits.

20–27 Points: Good Financial Well-Being

You’re managing well but could benefit from improving savings or addressing specific goals.

10–19 Points: Moderate Financial Stress

You may experience some financial worries. Focus on budgeting, saving for emergencies, or reducing unnecessary expenses.

0–9 Points: Significant Financial Stress

Financial challenges may be overwhelming. Professional support can help you create a plan to stabilize and improve your finances.

What’s Next?

If you’re experiencing financial stress or need support managing your finances, the Zan Center offers financial coaching tailored to your unique needs.

Disclaimer: This tool is for self-assessment only. Please consult a financial advisor for personalized advice. This scale is a general modified guide for Pakistani population.