Do you review all financial transactions to protect against fraud or mistakes? At least weekly - 10 points, at least monthly - 5 points
Do you have an emergency fund? 1 month - 10 points, 2 months: 20 points, 3 months: 30 points
Do you save a percentage of your income to an investment fund that you never spend? 3% - 3 points, 6% - 5 points, 10% - 10 points
Do you spend less than you earn (without borrowing)? All the time: 50 points, 90% of the time: 20 points, sometimes: 0 points