Paula, I am awful with numbers and percentages. Upon reflection, I guess I would give myself a grade of 85 %.
I rarely use a credit card, except if I order off amazon.com...and I only do that if I have the money in my checking account. I immediately write my husband a check after I order, as he pays the bills when they come in.
I do not know how to use an ATM machine...hence no temptation to withdraw cash.
I have a Christmas Club and savings account which I contribute to monthly. The Christmas Club is great because I do not have to dip into my savings nor charge when it is time to Christmas shop.
I also have a vacation account which I contribute to monthly...and when the time comes to go on a trip, we just take from that account.
We have a 'house account' in which I deposit money each month. This have been invaluable for when the washer breaks down, etc.
I am absolutely terrified of stocks and investments. My husband and I have a pacesetter account. When that Ponzi scheme hit, we were safe, but a relative lost $300,000 and I know many celebrities lost a lot of money. I want nothing to do with ANYTHING that has a speck of risk.
I have a couple CDs which are doing bad because the interest is ridiculous, and I plan to make some changes when they mature.
Even though my husband pays the bills and I have a separate checking account, BOTH our names are on the checks in case of emergency, illness, or whatever.
Since my recreation is Barnes & Noble (weakness is buying books), reading, writing, and LOVE going to the movies, friends and family consistently give me Barnes & Noble and movie gift cards on special occasions. This saves me a lot of money.
I only buy clothes and shoes that I need. I spend more money on books than anything else.
Since I am trying to clear out tons of clutter, my mantra is, "I don't need one thing in this house!" which is truly helping me eliminate. Therefore I do not buy 'stuff' any more. My books and gift cards serve me just fine.
Thanks for a great question, Sparklea :)