OverallTotal

SpendingAccountabilityTotal

Income is good but my savings, reserves and investments are non-existent

Income is good but i’m pretty much paycheck to paycheck

Income is good but my debt/unpaid taxes are starting to grow

Money is coming but in I’m in a ‘crisis mode’ and need to fix things fast

Things are decent but i'd like more stability, structure and cash in the bank!

I don't track it - feels like I'm policing myself

I track everything (categories + monthly review)

I have a rough budget but it doesn't match reality

I have a basic plan, but I don't update it often

Yes—I forecast and adjust based on actuals

Expenses still go out the same way (I patch later)

I avoid thinking about taxes / I’m not sure where I stand

I’m up to date but don’t have a strategy

I’m behind some payments / set aside inconsistently

I’m behind on taxes or dealing with serious tax pressure

I don’t set aside enough (or I don’t know how much)

I set aside sometimes but it’s inconsistent

I estimate/set aside regularly and review

I pay bills first, debts second, myself (savings/reserves/investments) last

I get paid, have a little fun (I deserve it), then bills, then debts

I pay bills first, then a little towards me, if anything is left I pay debts

I Pay myself (savings, reserves, investments) first - everything else after