Discover your financial health

1 - What is usually your household's financial situation? My household:

Has or incurs debts (excluding any mortgage)

Uses part of the savings to make ends meet

Is able to exactly make ends meet

Has a little money left over

Has a lot of money left over

2 - Think about the income you had in previous years. Was the income for your household the past twelve months much lower or higher, or about the same?

Much lower

Lower

About the same

Higher

Much higher

Don't know

3 - The total expenses of my household the past twelve months were:

Much lower than the income

Lower than the income

About the same as the income

A bit higher than the income

Way higher than the income

Don't know

4 - I can pay all bills of my household:

Without any problems

Pay them all, but it is though sometimes

Pay them all, but it is always though

Not always, so I have a payment delay for some bills

Not on a regular basis, so I have a payment delay for a lot of bills

5 - How confident are you that the larger expenses your household wants to make (such as a vacation, painting your house or a car purchases) are feasible in the next 12 months?

Very confident

Confident

Somewhat confident

Unconfident

Very unconfident

I know larger expenses are not doable

6 - If my household had to incur an expense tomorrow equal to my household's monthly income, I would:

Easily get the money together

Get the money together, but would need to change something, such as spending less

Need to do something to get the money together, such as sell something or work more. I would not need to borrow money

Need to borrow money, such as a personal loan or borrow it from friends or family. I would need to pay this money back

Probably not get the money together

7 - Which statement best describes your saving behaviour?

I save a fixed amount every month

I save every month, but the amount varies

I try to save, but I don't succeed every month

I can only save when I have a financial windfall

I don't save

8 - How much do you worry about your household's consumer debt? Do not include your mortgage, if any

I am not worried about it

I am somewhat worried about it

I am worried about it

I am very worried about it

My household does not have indebtedness

9 - Approximately how long do you think you will need to pay off your household's consumer debt without changing your lifestyle? Do not include your mortgage, if any

My household does not have indebtedness

0 to 1 year

1 to 5 years

6 to 10 years

11 to 20 years

More than 20 years

I will never be able to pay off my household's indebtedness

I don't know

10 - How confident are you that you will pay off your household's mortgage debt on time, without changing your lifestyle?

Very confident

Confident

Somewhat confident

Unconfident

Very unconfident

My household does not have a mortgage

11 - How confident are you that you have made good financial plans for retirement?

Very confident

Confident

Somewhat confident

Unconfident

Very unconfident

I have not made any financial plans for my retirement

12 - Because of my financial situation, I live from day to day.

Completely disagree

Disagree

Neither disagree nor agree

Agree

Completely agree

13 - I can solve most financial problems if I put in the necessary effort.

Completely disagree

Disagree

Neither disagree, nor agree

Agree

Completely agree

14 - When I think about my financial situation, I feel powerless.

Completely disagree

Disagree

Neither disagree nor agree

Agree

Completely agree

15 - Do you think the following statement is true or false? Buying shares of a single company usually offers a safer return than a stock fund.

True

False

I don't know

I don't want to answer this question

Your result:

According to the test, you are Financially

Financially Unhealthy

Financially Vulnerable

Financially Adequate

Financially Healthy

Your result on the 6 underlying financial domains:

Each of these domains affects the overall financial health score. Therefore, these sub-results provide actionable insights, highlighting the domains you could focus on to boost your financial health.

Income

Expenses

Savings

Debts

Planning

Skills

Financial health for that domain:

Good

Moderate

Poor

Deloitte works with its partners to improve awareness on the financial health of Belgians.

Curious about the average financial result score of all Belgians?
Discover our Financial health in Belgium report on the Deloitte website.

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Discover your financial health