NOT only the body and mind, the condition of financial health must be checked frequently.

The good news, do not need to see a doctor. You can check out their own financial health of each with answer a few questions, such as that taken from the site mymoneymanagement following:

1. Do you have a bank account?
2. Do you have enough money each month to pay all the bills?
3. Do you have enough money to be in an emergency fund?
4. What you ever write financial goals in the future?
5. Do you have a consistent financial budget each month?
6. Do you keep all financial documents such as the various bills, tax forms, etc.
7. Do you saving to a bank regularly?
8. Did you add the amount of money when ditabung get salary increases?
9. Do you have a pension fund account?
10. Do you pay your credit card bill in full in order not to attract interest?
11. Do you compare the price of goods in at least three shops before deciding to buy it?
12. Do you avoid the impulsive purchase?
13. Do you avoid shopping for just berekreasi?
14. Do you know your net worth at this time (the value of assets, reduced debt / obligation)?

If you say ‘no’ to more than three questions, it’s time to be careful. You may need professional advice from a financial planner (financial planner) to restore your financial condition.

In addition, the following are signs that should warn you to be wary:

1. You do not know the amount of property owned
2. You often pay bills late
3. You always pay the minimum amount billed each month
4. You spend more than 20% of net income (after rent) to pay debt
5. You spend more than the amount actually obtained, so that should break savings to meet the needs of daily living.