Personal Health and Finance Quiz

Want to improve your health and personal finances? It starts with daily health and financial management practices. Take this quiz to assess your current daily activities. Choose the response that best describes how frequently you perform health and financial management practices.

When you’re done, we'll add up your scores from the 20 questions below. There is a separate score for daily health practices and daily financial practices and a summary at the end of each section. The two separate scores also combine to produce your total quiz score.

Responses to this quiz will be used in a research study about health and financial practices of U.S. residents. No individual respondent will be identified by name. Your responses will be part of an overall data base and will remain strictly confidential. The quiz has no identification number and your name will never be associated with either the responses or the results.

If you have any questions the quiz content, contact Dr. Barbara O’Neill at 848-932-9126 or If you have questions about your rights as a research subject, you may contact the IRB Administrator at Rutgers University at:

Institutional Review Board (IRB) for the Protection of Human Subjects
Office of Research and Sponsored Programs
Rutgers, The State University of New Jersey
3 Rutgers Plaza
New Brunswick, NJ 08901-8559
Telephone: 848-932-0150

Participation in the Personal Health and Finance Quiz is strictly voluntary. By completing the quiz, you give consent for your responses to be used in data analysis.

Need help with the Daily Health Behaviors questions? Read this information sheet (41k PDF).

If you would prefer, you can download a paper copy of this quiz (123k PDF).

Daily Health Behaviors


I eat breakfast before starting my day (e.g., work, school, or other daily activities).


I avoid drinking sugar-sweetened beverages (e.g., regular soda and sweetened coffee, tea, or waters).


I eat 3½ to 4½ cups of fruits AND vegetables daily.


I get at least 7 hours of sleep per night.


I eat at least 1-2 high fiber foods each day (e.g., whole wheat bread and pasta, oat bran, beans, lentils, peas).


I eat and drink fat-free and/or low-fat dairy products.


I avoid high-calorie salad dressings, gravies, spreads, and/or sauces.


I eat foods that are low in fat and/or saturated fat.


I get at least 30 minutes of aerobic and/or muscle-strengthening physical activity at least 5 days per week.


I read the Nutrition Facts Label on food products before making a purchase.

Daily Financial Behaviors


I follow a hand-written or computer-generated spending plan (budget) to guide my spending and savings.


I maintain an emergency fund equal to at least three months of basic, essential household expenses.


I save the equivalent of at least $1 daily ($365 annually) in loose change in a savings account and/or a jar.


I invest the equivalent of at least $10 daily ($3,650 annually) in investment accounts and/or retirement plans.


I avoid payday loans, car title loans, pawn shop loans, cash advances, tax refund loans, and other high-cost debt.


I owe less than 20% of my monthly net income on monthly consumer debt payments (e.g., credit cards, car loans, student loans, and/or personal loans excluding a mortgage). Example: $3,000 net income x .20 = $600.


I eat at least two meals a day prepared at home instead of eating out (excluding traveling).


I use advertisements, coupons, promo codes, sales, web sites, and/or discounts to save money on purchases.


I live below my means (i.e., spend less than I earn).


I make written to-do lists or specific plans to organize my financial goals, spending, and/or daily activities.

Demographic Data


What is your gender?


What is your current age in years?



What is the highest level of education you have completed?


What is your household income level?


What is your race/ethnicity?

(leave this field blank)

  1. Rutgers
  2. Executive Dean of Agriculture and Natural Resources
  3. School of Environmental and Biological Sciences