Financial Fitness Assessment
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- Valentine Warren
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1 Financial Fitness Assessment Being physically fit and financially fit have a lot in common. They both require discipline, commitment, and tools to help you stay on track. But the most important part of any fitness plan is starting! Just as your medical records reflect your physical health, this assessment will help you to see what your financial health looks like currently. Over time it can change, and we all have opportunities for improvement. If you need some coaching along the way, contact us! Brought to you by:
2 Financial Goals A financial goal is something that requires more money than you have right now. Short-term goal < 1 year Mid-term goal 1-5 years Long-term goal > 5 years To get started, answer some questions: 1. What is your goal? 2. When do you want to achieve it? 3. How much will it cost? Then fill in this chart from left to right: HOW MUCH MINUS HOW MUCH EQUALS HOW MUCH DIVIDED # OF MONTHS EQUALS AMOUNT I NEED MY GOAL COSTS I ALREADY HAVE MORE I NEED BY I HAVE TO ACHIEVE IT TO SAVE PER MONTH Example: $500 $50 $450 / / / Net Worth Your net worth is the difference between what you own and what you owe. A positive net worth is a sign of good financial health! WHAT YOU OWN AMOUNT WHAT YOU OWE AMOUNT Checking & Savings Accounts Investment Accounts Stocks & Bonds IRA & 401K Real Estate Vehicle(s) you own outright Asset(s) TOTAL OWNED (A) Mortgage Credit Cards Student Loan(s) Auto Loan(s) Loan(s) Income Tax Due Debt(s) TOTAL OWED (B) To calculate your net worth, subtract the total amount you owe from the total amount you own: TOTAL OWNED (A) MINUS TOTAL OWED (B) EQUALS NET WORTH FINANCIAL FITNESS ASSESSMENT: 2
3 Essential Expenses (needs) We spend money every day. Essential expenses are necessities, similar to basic nutrients: protein, fats, and carbohydrates. CATEGORY EXPENSE Rent/Mortgage 2nd Mortgage/Equity Line Homeowner's/Renter's Insurance Condo Fees/HOA Dues AVERAGE PER MONTH (How much I really spend) GOAL PER MONTH (How much I should spend) Housing Home Maintenance Landscaping/Pool Maintenance Gas/Electric Water/Sewer/Garbage Internet/Cable/Satellite Phone Food Insurance Groceries/Household Items At Work/School Health/Dental/Vision Life/Disability Doctor Medical Care Optometrist/Glasses/Contact Lenses Dentist/Orthodontist Prescriptions Vehicle Payment #1 Vehicle Payment #2 Transportation Auto Insurance Registration Gasoline/Oil Maintenance/Repairs Public Transportation/Parking Child Care Income Taxes Daycare/School Child Support/Alimony Federal/State Tax Repayment Estimated Tax Payments (Self-Employed) Emergency Savings Goals Retirement TOTAL ESSENTIAL EXPENSES FINANCIAL FITNESS ASSESSMENT: 3
4 Discretionary Expenses (wants) These extras are like dessert or your favorite drink. They are nice to have in moderation, but are also things you can cut back if needed. CATEGORY EXPENSE AVERAGE PER MONTH (How much I really spend) GOAL PER MONTH (How much I should spend) Personal Cosmetics /Manicure Clothing /Accessories Movies/Concerts/Theater Music Entertainment Electronics Dining Out Sports/Hobbies Vacation/Travel Tuition/Lessons Pet Care Holiday/Birthday/Gifts Miscellaneous Cigarettes/Alcohol Charity/Religious Contributions TOTAL DISCRETIONARY EXPENSES Job/Self-employment SOURCE YOURS SPOUSE/PARTNER Monthly Income Enter your net (after tax) income from all sources. Retirement/Pension Child Support/Alimony Social Security Food Stamps Unemployment Insurance Rental Income TOTAL MONTHLY INCOME FINANCIAL FITNESS ASSESSMENT: 4
5 Unsecured Debt List all debts (except auto loans and mortgages) along with the name of the creditor, interest rate, total balance owed and the monthly payment. This includes credit cards, student loans, personal loans and outstanding medical bills. CREDITOR NAME INTEREST RATE MONTHLY PAYMENT BALANCE Bottom Line Think of this as your weigh-in: the moment of truth. Subtract the total of all expenses from your net income. If the result is a positive number, congratulations! You can add the extra money to your savings to reach your goals sooner. If your expenses exceed your income, you'll need to gain income or lose expenses to balance out. MONTHLY MINUS TOTAL MINUS TOTAL MINUS TOTAL EQUALS BALANCE NET INCOME ESSENTIAL EXPENSES DISCRETIONARY EXPENSES DEBT PAYMENT FINANCIAL FITNESS ASSESSMENT: 5
6 Tracking Day-to-Day Expenses Now that you know what your financial health looks like, you ll need to track your spending daily to achieve your goals, similar to a food journal. We ve listed only the variable expenses (those that fluctuate), since your fixed expenses should be the same each month. Whether you use these worksheets or a mobile app, record every expense. This way, you ll know if your budget estimates are correct. Weekly Expense Tracker ITEM MON TUE WED THU FRI SAT SUN TOTAL WEEKLY OVER/ EXPENSES BUDGET UNDER Groceries Dining Out Household Items Gas/Electricity Phone Medical/Dental Transportation/ Parking/Gas Personal Care Child Care Pet Care Taxes Entertainment Cigarettes/Alcohol Gifts Church/Charity Savings WEEKLY EXPENSE TOTALS FINANCIAL FITNESS ASSESSMENT: 6
7 Monthly Expense Tracker ITEM WEEK 1 WEEK 2 WEEK 3 WEEK 4 TOTAL MONTHLY OVER/ EXPENSES BUDGET UNDER Groceries Dining Out Household Items Gas/Electricity Phone Medical/Dental Transportation/ Parking/Gas Personal Care Child Care Pet Care Taxes Entertainment Cigarettes/Alcohol Gifts Church/Charity Savings MONTHLY EXPENSE TOTALS FINANCIAL FITNESS ASSESSMENT: 7
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