SCORE KEY: DebtSmart® Financial Compatibility Test
by 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...
 |
|
|
|
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!
|
