2 I organize and protect all my financial statements and online login details securely.

3 I am aware of charges by insurance, investment and credit card companies for the various products I have taken.

4 I am aware of how my employment benefits like PF, Superannuation, Gratuity, Insurance are structured.

5 I am aware of all the income tax exemptions & deductions available for me and I am utilizing them.

6 I know my family's actual monthly & annual expenses and we follow a budgeted expenditure plan.

7 I have calculated and know my networth (all assets minus all liabilities).

8 I have a emergency fund set aside to be prepared for job/business loss and medical emergencies.

9 I have a health Insurance cover for myself and my family members.

10 I have a term insurance life cover which is good enough for my family in my absence.

11 I have identified my financial goals with specific amounts and dates.

12 I always make all my investments with a purpose/for a future goal. Not on an ad-hoc basis.

13 I have a consolidated portfolio of Mutual Funds, Insurance, Deposits, Stocks & other investments.

14 I am aware of how much funds I require to retire peacefully and manage the expenses for 25-30 years.

15 I review performance of all my investments regularly (at least once a year).

16 I am sure that all my investments are nominated to the person of my choice.

17 I have a Will in place and I am sure of how my assets will be distributed in case of my untimely death.

18 I do some kind of a charity every year for those who are not as fortunate as I am.

19 I involve my spouse in all money related decisions and she/he is aware of its relevance to our family.

20 I regularly Invest in myself to upgrade my skills and knowledge which helps me in my career growth.