Step 1 of 25 0% BUDGETINGHow do you currently keep track of your spending? I don’t track it at all I roughly keep an eye on it I have a budget (spreadsheet or written) I use an app or system that updates regularly BUDGETINGAt the end of most months, do you usually: Run out of money or rely on credit Break even, with little left over Have money left over without trying Consistently save money each month BUDGETINGIf you had an unexpected £1,000 expense tomorrow, how would you deal with it? I’d need to borrow or use credit I could cover some of it but it would be difficult I could cover it without major stress I could cover it easily and stay on track DEBTDo you currently have any non-mortgage debt?(Credit cards, loans, overdrafts, store cards, car finance etc.) Yes No DEBTHow does your current debt feel? Completely manageable Manageable but sometimes stressful Stressful or overwhelming DEBTAre you actively reducing this debt? Yes, with a clear plan Some effort, but not structured No, balances are static or increasing DEBTHow often do you rely on credit to get through the month? Never Occasionally Most months SAVINGSRoughly how much do you have set aside for emergencies? Nothing set aside Less than 1 month of essentials 1–3 months of essentials 3–6 months of essentials 6+ months of essentials SAVINGSAre you currently saving money on a regular basis? No Yes, but only when there’s money left Yes, automatically each month SAVINGSAre your savings held in tax-efficient or higher-interest accounts (e.g. ISAs)? No Some of them Yes, most or all Not sure PROPERTY LADDERWhich best describes your current housing situation? I own a home (with or without a mortgage) I rent privately inc Force Acccommodation I live with family / other PROPERTY LADDERDo you want to buy a home in the future? Yes, within the next 2 years Yes, within the next 2–5 years Yes, but further away than that No, I don’t plan to buy PROPERTY LADDERHow clear are you on what you’d need to buy a home? Very clear, I know the numbers Some idea, but not fully clear Not clear at all (deposit, borrowing, monthly costs etc) PROPERTY LADDERHow confident are you that your credit file would support a mortgage application? Very confident Unsure Not confident MILITARY PENSIONHow well do you understand your Armed Forces Pension Scheme? Very well, I understand how it builds and pays out I have a general idea I know a little, but it’s unclear I don’t really understand it MILITARY PENSIONHow confident are you that your military pension alone will meet your needs in later life? Very confident Somewhat confident Not confident I don’t know MILITARY PENSIONAre you aware of ways to increase your retirement income alongside your military pension?This could include topping up your military pension or building additional retirement income through a private pension (e.g. a SIPP) Yes, and I understand how they work I’ve heard of them, but don’t really understand them No, I wasn’t aware of these options MILITARY PENSIONDo you currently have any additional pension or long-term savings outside of AFPS? Yes, and it’s clearly linked to my retirement plan Yes, but I’m not sure if it’s suitable No, but I plan to No, and I haven’t thought about it FINANCIAL RESILIENCEDo you currently have anyone who depends on your income?(Partner, children, or anyone who relies on you financially) Yes No FINANCIAL RESILIENCEIf illness or injury stopped you working long term, how would you cope financially? I would cope without major difficulty I would cope for a short time, then struggle I would struggle quickly I’m not sure FINANCIAL RESILIENCEIf you were to die, would your family be financially secure without your income? Yes, they would be secure They would cope but would need to make changes No, they would struggle financially I’m not sure FINANCIAL RESILIENCEDo you currently have any personal protection in place? Yes No Not sure FINANCIAL RESILIENCEHow confident are you that any cover you have would actually do what you expect if you needed it? Very confident Somewhat confident Not confident Not sure FINANCIAL RESILIENCEIf you have life insurance, is it written in Trust? Yes No I don’t know This field is hidden when viewing the formBudgeting ResultsThis field is hidden when viewing the formBudget ScoreThis field is hidden when viewing the formBudget_Result_Red True This field is hidden when viewing the formBudget_Result_Amber True This field is hidden when viewing the formBudget_Result_Green True This field is hidden when viewing the formDebt ResultsThis field is hidden when viewing the formDebt_Result_Red Debt_True_Red This field is hidden when viewing the formDebt_Result_Amber Debt_True_Amber This field is hidden when viewing the formDebt_Result_Green Debt_True_Green This field is hidden when viewing the formSavings ResultsThis field is hidden when viewing the formSavings_scoreThis field is hidden when viewing the formSavings_Result_Red True This field is hidden when viewing the formSavings_Result_Amber True This field is hidden when viewing the formSavings_Result_Green True This field is hidden when viewing the formProperty Ladder ResultsThis field is hidden when viewing the formProperty_ladder_scoreThis field is hidden when viewing the formProperty_Result_Red True This field is hidden when viewing the formProperty_Result_Amber True This field is hidden when viewing the formProperty_Result_Green_non_owner True This field is hidden when viewing the formProperty_Result_Green_owner True This field is hidden when viewing the formMilitary Pension ScoreThis field is hidden when viewing the formMilitary_Pension_ScoreThis field is hidden when viewing the formMilitary_pension_result_red True This field is hidden when viewing the formMilitary_pension_result_Amber True This field is hidden when viewing the formMilitary_pension_result_Green True This field is hidden when viewing the formProtection ScoreThis field is hidden when viewing the formProtection_ScoreThis field is hidden when viewing the formProtection_result_red True This field is hidden when viewing the formProtection_result_Amber True This field is hidden when viewing the formProtection_result_Green True You’re almost there! 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