Am I OK?
Check where your finances stand.
Money problems do not always appear overnight.
Sometimes, the signs are small — savings getting thinner, credit card balances carrying over, bills becoming harder to keep up with, or simply thinking about money more often than you used to.
Seeing the signs early gives you more time to act.
Take this quick Financial Health Check to get a simple snapshot of where you stand today.
About 3 minutes • No personal data collected • For your own awareness
If things are going well
Keep the habits that are working.
Continue reviewing your spending, maintaining an emergency buffer, paying bills and credit cards on time, and setting aside savings where possible.
Small, consistent habits can help keep your finances steady.
If things are starting to feel stretched or repayments are becoming difficult
Do not ignore the early signs or wait until things become overwhelming.
Take a closer look at where your money is going, what repayments you are carrying, and what expenses could be reduced, replaced or removed. Small adjustments made early can help prevent a manageable situation from becoming harder to deal with.
If you need more help, Credit Counselling Singapore (CCS) can help you understand your debt situation, explore the options available and work out an appropriate next step. You can also learn more about debt management through a CCS Consumer Debt Management Talk or Webinar.
Credit Counselling Singapore (CCS) is a registered charity established in 2004 that supports individuals and families in debt distress through counselling, education and, where suitable, structured repayment arrangements — so they can move forward with dignity and peace of mind.