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

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.