SPRD Score

SPRD Mode

Delay another obligation because I couldn’t cover it.

Nothing really changes — other plans stay on track.

I rebuild money used, but other plans stay on track.

I have to move or slow another financial priority.

I have to delay a bill or responsibility.

It creates additional financial problems I have to deal with.

I deliberately redirect it toward another debt

I deliberately redirect it towards investing or opportunity 

Very clearly — I know what’s coming and I’m preparing for it.

Mostly — I know the major things, though there may be a few surprises.

Somewhat — I know some things, but I’m unsure about amounts or timing.

Not very clearly — expenses often become urgent before I can plan for them.

Not at all — I’m usually reacting as things happen.

My money regularly runs out before payday.

My essentials are covered, but very little remains.

My bills, priorities, and upcoming needs are covered.