• I frequently stress about meeting basic* needs and don’t always meet them.

• I have debt and it prohibits me from meeting basic needs.

• I rent lower end properties or have unstable housing.

• I don’t have a car or struggle to afford fuel.

• I am unemployed, qualify for government assistance or work minimum wage.

• I have no financial savings.

• I have no or very limited expendable** income.

• I cannot afford a holiday or take time off without financial burden.

*food, housing, bills, transport.

**able to buy coffee out, dine out, go to the cinema/theater/concerts, buy new clothes, books, and similar items each month.

• I may stress about meeting basic* needs, but I regularly achieve them.

• I have some debt.

• I am employed or self employed, but I work part time.

• I have limited financial savings.

• I have limited expendable** income.

• I have to actively save in order to take a holiday.

• I own a car, but struggle to cover tax and insurance.

**able to buy coffee out, dine out, go to the cinema/theater/concerts, buy new clothes, books, and similar items each month.

*food, housing, bills, transport.

• I am able to meet my basic* needs.

• I may have some debt, but it doesn't prohibit attainment of my basic needs.

• I own a car. Can pay for my insurance and annual fees with ease.

• I am employed or self employed.

• I have access to some financial savings.

• I have some expendable** income.

• I can take an annual holiday without financial burden.

**able to buy coffee out, dine out, go to the cinema/theater/concerts, buy new clothes, books, and similar items each month.

*food, housing, bills, transport.