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Financial Literacy Test

Fill out the entire form below to complete your pre- or post-class financial literacy test.

Financial Literacy Test

Please provide the below information and answer the following questions.
Is this your pre- or post-test?

Contact and Demographic Information

Name
MM slash DD slash YYYY
How would you describe yourself?

What is your highest level of education?
What is your household income before taxes?

Please check your answer to each of the following questions.

1. Goals should only be made for large, long-term plans such as home ownership, college tuition, or retirement.
2. In order to help build your credit and prevent financial setbacks, you should not try to save money.
3. A home refinance loan replaces a home loan in order to get a better interest rate.
4. It is a good idea to make only the minimum payments on credit cards.
5. When applying for a credit card, the most important things are the perks and rewards offered.
6. Right to rescind or right to cancel gives you 30 days to reconsider a signed home equity loan and cancel without penalty.
7. Settlement or closing is the final step to buying a home.
8. A pawn shop is financially insured and is a good place to cash a check and deposit money.
9. A good way to improve credit scores is to pay bills on time.
10. Direct deposit is a good way to keep money safe.
11. Borrowing from one credit card to pay off another is not a sign of a credit problem.
12. Financial success is achieved through choices made.
13. Forging an older person’s signature is elder financial abuse.
14. Paying rent/mortgage is a need rather than a want.
15. www.freecreditreport.com is authorized by the Federal Trade Commission to give you a free credit report.
16. Using coupons is one way to save money.

Please check the response that best describe your confidence as an individual to do the following:

17. Write out a spending plan
18. Keep track of spending and income
19. Pay all bills on time
20. Save money regularly
21. Spend less than you earn
22. Set and meet financial goals

Please mark your comfort level based on the following questions:

23. What is your comfort level with your knowledge of financial terms and concepts?
24. What is your comfort level with applying your knowledge into behavior?

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