Financial Literacy & Budgeting Self-Assessment Survey
This questionnaire evaluates financial literacy, budgeting habits, and overall financial
health. It uses skip logic and calculations to assess savings, spending, and financial wellbeing.
Section 1: Personal Information
1. Short Answer: What is your age? ___________________________
2. Choice: What is your employment status?
Student (Skip to Section 2: Income - Student)
Employed Full-Time (Skip to Section 2: Income - Professional)
Self-Employed (Skip to Section 2: Income - Professional)
Unemployed (Skip to Section 4: Expenses)
Section 2: Income
3. Number Input: What is your monthly net income (after tax)? _____________________
4. Checkboxes: What are your sources of income?
Salary
Business
Investments
Freelance/Part-time
Allowance/Family Support
Section 3: Savings & Debt
5. Number Input: How much do you save monthly? _____________________
6. Choice: Do you have any outstanding debt?
Yes (Proceed to Question 7)
No (Skip to Question 9)
7. Number Input: What is your total monthly debt repayment? _____________________
8. Choice: What type of debt do you have?
Credit Card
Student Loan
Mortgage
Personal Loan
Other
Section 4: Expenses & Budgeting
9. Ranking: Rank your top 5 monthly expense categories by amount spent:
Housing/Rent
Food & Groceries
Transportation
Entertainment
Healthcare
Education
Utilities
10. Choice: Do you follow a monthly budget plan?
Yes
No
11. Checkboxes: If yes, which tools do you use for budgeting?
Spreadsheet
Budgeting App
Notebook/Paper
None
Section 5: Financial Literacy Knowledge
12. Multiple Choice (Quiz): If you borrow $100 at 10% annual interest, how much must you
repay after 1 year (ignoring compounding)?
$100
$105
$110 ✅
$120
13. Likert Scale: Rate your confidence in managing your personal finances.
Statement
Strongly
Disagree
Disagree
Neutral
Agree
Strongly
Agree
I feel
confident in
managing
my personal
finances
☐
☐
☐
☐
☐
14. Choice: Do you know what a credit score is and how it is calculated?
Yes
No
15. File Upload (Optional): Upload a copy of your personal monthly budget (Excel/PDF).
Form Calculations
• Savings Rate (%) = (Monthly Savings ÷ Monthly Income) × 100
• Debt-to-Income Ratio (%) = (Monthly Debt ÷ Monthly Income) × 100
• Budget Balance (%) = (Monthly Savings ÷ Monthly Expenses) × 100
• Financial Literacy Score (out of 100):
- Correct Quiz Answer = +20 points
- Budgeting Confidence (Likert scale) = up to 20 points
- Savings Rate > 20% = +20 points
- Debt-to-Income < 30% = +20 points
- Budget Uploaded = +20 points
Final Score Classification:
- 80–100: Excellent Financial Health
- 60–79: Good, but needs improvement
- 40–59: Risky, needs attention
- Below 40: Financially vulnerable
Form Settings
• Who can respond: Anyone with link (or restrict to organization)
• Response options: Accept responses ✅, shuffle questions ❌(because of skip logic)
• Skip logic:
- Employment status → controls which income questions are shown
- Debt question → skips unnecessary sections
• Integration: Excel for auto-calculations, Power Automate for alerts (e.g., if score < 40, send
guidance email)
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