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Friday, December 13, 2024   
 

SCORE KEY: DebtSmart® Financial Compatibility Test
by Scott Bilker
Scott Bilker is the author of the best-selling books, Talk Your Way Out of Credit Card Debt, Credit Card and Debt Management, and How to be more Credit Card and Debt Smart. He's also the founder of DebtSmart.com. More about and DebtSmart can be found in the online media kit.
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Scott Bilker

Not all the questions have the same score value. Therefore, the scores are weighted on each question according to their importance. Some responses may take points away from your score (negative scores).

Also, please be sure to take the survey and let us know how you liked this test!

 

 

Score Directions
1) Print this Score Key web page.
2) For each question, circle the score associated with your true/false answer in the column(s) marked YOU. For example, if you answered TRUE for question #3 you'd circle the score "2" in YOU column in the "question #3" row.
3) Circle the score associated with your spouse/partner's true/false answer in the PARTNER column(s). For example, if your spouse answered FALSE for question #2, you'd circle the "0" under the PARTNER column(s) in the "question #2" row.
4) If you both answer TRUE for the same question, then circle the "True" bonus score in the MATCH column(s). For example, if you both answered TRUE for question #5, you'd circle "2" in the YOU and PARTNER columns AND "1" in the MATCH-True column.
5) If you both answer FALSE for the same question, then circle the "False" bonus score in the MATCH column(s). For example, if you both answered FALSE for question #5, you'd circle "0" in the YOU and PARTNER columns AND "0" in the MATCH-False column.
6) Total all the circled scores for each question and put that in the TOTAL column. For example, if you both answered TRUE for question #3, then you would circle the "2" in the YOU column, the "2" in the PARTNER column, the "2" in the MATCH-True column, and write "6" in the TOTAL column.
7) Add up all the entries in the TOTAL column for each question to get your total score for the test.
8) Score example...

 
 SCORE KEY

YOU

PARTNER

MATCH

Question

True

False

True

False

True

False

TOTAL

1

1

0

1

0

2

0

 

2

1

0

1

0

1

1

 

3

2

0

2

0

2

-1

 

4

2

0

2

0

1

0

 

5

2

0

2

0

1

0

 

6

1

1

1

1

2

0

 

7

0

2

0

2

0

1

 

8

0

2

0

2

-1

1

 

9

2

0

2

0

2

0

 

10

1

0

1

0

2

-1

 

11

1

0

1

0

1

0

 

12

1

0

1

0

2

0

 

13

1

0

1

0

1

0

 

14

2

0

2

0

1

-1

 

15

0

3

0

3

-2

5

 

16

0

1

0

1

0

2

 

17

0

1

0

1

0

2

  

18

0

2

0

2

-1

2

 

19

0

1

0

1

-1

3

 

20

1

0

1

0

1

0

 

21

0

1

0

1

0

1

 

22

1

0

1

0

2

0

 

23

1

0

1

0

1

1

 

24

1

0

1

0

1

1

 

25

1

0

1

0

1

1

 

26

2

0

2

0

2

-1

 

27

3

0

3

0

2

-3

 

28

1

0

1

0

1

1

 

29

1

0

1

0

1

1

 

30

0

4

0

4

0

2

 

31

1

0

1

0

2

-1

 

32

1

0

1

0

2

-1

 

33

2

0

2

0

2

-1

 

34

0

1

0

1

0

2

 

35

0

1

0

1

1

1

 

36

0

2

0

2

1

3

 

37

1

0

1

0

1

1

 

38

2

0

2

0

1

1

 

39

0

3

0

3

-1

2

 

40

1

0

1

0

1

0

 

41

0

0

0

0

1

1

 

42

0

1

0

1

1

1

 

43

0

1

0

1

0

1

 

44

1

0

1

0

2

-1

 

45

0

0

0

0

-1

1

 

46

0

0

0

0

2

2

 

47

1

0

1

0

1

1

 

48

0

1

0

1

0

1

 

49

0

2

0

2

-1

2

 

50

0

1

0

1

-1

1

 

51

0

0

0

0

2

2

 

Test Total

 

Results:
Keep in mind that the below score evaluations are a guide. It's much more important that you both thought about each question as you took the test. Just taking the test should have helped focus your attention on what you need to do financially and given you insight into each other's thinking. 

-6 to 51
Your priorities don't seem to lean toward financial stability. If this is a point of stress in your life, you may want to consider rethinking your strategy with your spouse/partner. However, because you are reading this email newsletter, you probably will go on to become much better with your credit card and debt management. Also, you’ll need to work more with your spouse/partner in the area of finance.

52 to 109
You’re on your way to finding financial happiness with your spouse/partner! Of course, there is always more to learn. Read more here at DebtSmart® and other credible web sites to further your understanding of money.

110 to 167
Looking good! You may have been together for a while or have a natural common ground when it comes to handling your money! You know what’s best and are ready to reach the final level.

168 to 222
Super congratulations! You have achieved what I consider to be the perfect philosophical balance for your finances as a couple!

--End--

 

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