How can you assess your time and money management skills?

"Table 4 Fun Self-Test: How Well Do You Manage Your Time? For questions 2, 6, 8, 9, 11, 13, 14, and 15, use the following to calculate your score: Strongly Disagree 0 points; Disagree 0 points; Neither Agree nor Disagree 0 points; Agree 4 points; Strongly Agree 5 points. For questions 1, 3, 4, 5, 7, 10, and 12, use the following to calculate your score: Strongly Disagree 5 points; Disagree 4 points; Neither Agree nor Disagree 0 points; Agree 0 points; Strongly Agree 0 points. If your score is 60 or higher, you have excellent time management skills. Congratulations—you use your time well! If your score is below 60, consider reading a book on time management, taking a course on time management, or investing in time-management tools such as a weekly project planner. The chapter has additional tips that may be useful in improving your time-management skills. Table 5 Fun Self-Test: Are You Good at Managing Money? For questions 2, 3, 5, 6, 10, and 11, use the following to calculate your score: Strongly Disagree 0 points; Disagree 0 points; Neither Agree nor Disagree 0 points; Agree 4 points; Strongly Agree 5 points. For questions 1, 4, 7, 8, and 9, use the following to calculate your score: Strongly Disagree 5 points; Disagree 4 points; Neither Agree nor Disagree 0 points; Agree 0 points; Strongly Agree 0 points. If your score is 44 or higher, you are able to manage money while balancing your expenses and income. You will be ready to handle financial emergencies without turning to friends or relatives. If your score is between 36 and 43, your savings habits may be inconsistent. To achieve better savings, control your expenses and avoid unnecessary purchases. If your score is 35 or below, you spend too much! Remember: it’s a lot more painful to earn money than to spend it. You need to gain control of your finances by limiting your spending, paying off credit cards, or investing in a good personal finance book or course. You may also need to meet with a financial advisor to seek direction on your spending and saving habits."