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© Financial Fitness  ... Powered By Pearl Organisation

First  FinFit Test 


For this test first make list of your monthly expenses  .... (Take your Bank statement and mark your expenses the past month)

Then you take your real income:-   Paid into your Bank account  monthly

Take  Income  R ......, ...


Expenses    R.........  , ...

       Total:  R........ , ....​

If your income is more than your expenses you are ...  OK  

Then move to the second Test


If your Expenses are more than your income  ... you are Financially "UNFIT"   A fitness program will be recommended

Second FinFit Test

In this test you will encourage to pay 30% of your salary as debt repay ,  this is repayments to towards all your debt 

Take your total Monthly Income:-

    Divided by  Total monthly Debt repayment x  30%    

R ......  /   R  ......   x   30%

If your monthly repayments exceed 30% you will be left with to little funds to be Financially Fit

You may have to get an Action Plan to assist you to reduce your debt or consider consolidating your debt  

Also look at the GOOD Plan to assist you with this 

Choose to change  

This is outmost important if you are serious in changing your financial fitness

First, take the two DIY Tests which will test your Fitness in the following two areas:-


2.    INCOME    /    DEBT  

If you choose to improve your Financial Fitness you need to urgently look at ... 

The Financial ROAD MAP...

This will give you an opportunity to move forward with your financial situation with an ACTION Plan/Road Map ...  Presently you just do, no planning no action ... now you must change ...