Credit Counselling Services of Atlantic Canada, Inc.
Credit Counselling Services of Atlantic Canada, Inc.

Money Quiz

Take our Money 101 quiz or try out our amortization calculator to test your financial fitness.

Money 101

Think you are a good money manager?  Take a few minutes to fill in our money quiz to find out.  Remember, in order to get a true picture you MUST answer the questions honestly.


Yes No
Do you rarely pay your bills on time?
Is a large portion of your income going towards your debt(s)?
Are you over the limit(s) on your credit card(s)?
Are you only making the minimum payments on your credit?
Do you use credit for everyday expenses?
Do you find it difficult to keep utilities up to date?
Do you rely on overtime, tips or bonuses to make ends meet?
Are you avoiding the phone when it rings for fear of who is calling?
Have you consolidated debts and now have new credit card balances?
Do you take cash advances on one credit card to pay another?
Are you losing sleep at night worrying about your financial situation?
Do finances cause stress and arguments at home?
Are you unsure of how much you owe in total?

Add up the number of  questions you answered with "yes" and look at the scoring below to guage your financial fitness.


You are doing fine managing your money.  Keep up the good work and check out our tips for more ideas on how to continue to manage your money
1 - 2
Overall, you are doing okay.  Keep an eye on your budget and continue to use credit wisely.  Now may be the time to learn more about your credit rating and how it can affect your life.
3 - 6

There’s no crisis – yet!  But you may be heading for one.  You need to get your spending under control by creating a monthly budget.  Our 8-week budget can help you avoid a potential financial meltdown!

7 - 9

You’re definitely  in the “Danger Zone”.  Write down all your monthly expenses and income and make an appointment with one of our certified counsellors.  We can help get you back on track.

10 - 14

CRISIS ALERT!!!  You need serious financial assistance.  Call us now. A debt management program may be what you need to help you reach financial freedom.


Remember, it’s never too late!  Contact us today to see how we can help.


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