Financial Wellbeing Reflection Tool

Your Financial Wellbeing Reflection Tool has been developed by JFF’s financial education experts and mirrors the approach we use in our school programmes: the 5 Big Questions about money. These questions are designed to guide you through reflecting on your financial habits, emotions, and decision-making. This is an anonymous tool to support honest and considered responses. JFF does not provide financial advice - if you are unsure about what's right for you, please seek advice. Each multiple-choice question is followed by an open-ended prompt, encouraging you to take a deeper look at your answer and consider how it shapes your overall financial wellbeing.

Looking after our money

Where would you feel safest keeping your money?

Reflect: Does your answer match where you actually keep your money now?

Money and emotions

When you experience money stress, how do you handle this feeling?

Avoid reviewing my financial statements/billsUse credit or loansCreate a plan for my incoming moneyPut more available money towards debts or areas that are causing stressIgnore the stress and do not change spending choicesActively seek ways to increase my incomeApproach family/friends for support

Reflect: Do you think this approach helps you to manage your stress?

Helping other people

In what ways do you make money choices that help other people?

Giving to charityFinancially supporting relatives/friendsGrown up children or other relatives living at homeProviding unpaid care for othersFormally or informally volunteeringI don’t support others

Reflect: Is the support you give to others an active choice or a financial necessity?

Earning money

What are your current sources of income?

Reflect: Do you feel that this income meets your financial needs?

Using money

After covering your essential living needs, what do you do with the majority of your remaining money?

Reflect: If you have money remaining, is how you choose to use it based on habit or necessity?

Your age group

Select your current age group

18 - 3435 - 5455+

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