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Q1. I use bonus / extra money received to pay my debts first.
Q2. I set aside a monthly budget for planned purchases to refrain from spontaneous buying?
Q3. I set my financial goals (like buying home, child's education etc) first and then invest towards fulfilling it.
Q4. I spend less than I earn and regularly make deposits into saving or investment accounts.
Q5. I have an "emergency" fund of at least three months expenses set aside in a liquid account.
Q6. I regularly check my bank account / credit / debit card statements and invoices paid (like mobile phone bills, shopping invoices etc.) and keep an account of the same under monthly budget?
Q7. I keep aside a specific amount every month as 'my emergency fund'?
Q8. I'm on a realistic savings pace with respect to the corpus amount I want when I retire?
Q9. I've got my financial planning/assessment done through a certified financial planner?
Q10. I ask for investment advice from my peers / friends and buy the same products or follow same financial plan which they have made individually for themselves?