Financial Readiness Resources

Practical worksheets to accompany Build Your Financial Readiness
These resources are designed to help readers turn the ideas in Build Your Financial Readiness into practical reflection and action.
Each chapter resource includes a short guided exercise and a worksheet. You can download the resources individually or use them alongside the corresponding chapters of the book.

Part I — Understanding Money

Chapter 1 — Money
Your Money and Payment Habits
Observe how you pay, what influences your choices, and how visible or abstract spending feels.

Chapter 2 — Understanding Risk
Your Risk Reactions
Explore how you respond to uncertainty and distinguish emotional reactions from deliberate risk decisions.

Chapter 3 — Time
Your Time Horizon Map
Connect financial objectives with the time available to achieve them.

Chapter 4 — Budgeting
Your Spending and Saving Map
Map how current spending and saving choices support—or constrain—your future options.

Part II — Building Wealth

Chapter 5 — Financial Goals
From Goals to Financial Priorities
Translate broad ambitions into clearer financial priorities and identify which objectives matter most.

Chapter 6 — Why Invest?
Why Are You Investing?
Clarify the purpose of your investments and connect each decision to a specific objective and time horizon.

Chapter 7 — Investment Categories
Giving Each Investment a Role
Consider what different investment categories are designed to do within a broader financial plan.

Chapter 8 — Diversification
Your Diversification Map
Review how your investments are spread across different sources of risk and identify areas of concentration.

Part III — Making Better Decisions

Chapter 9 — Behaviour
Your Behavioural Triggers
Identify the situations, emotions and information that are most likely to influence your financial decisions.

Chapter 10 — Common Mistakes
Your Mistake Pattern
Recognise recurring decision errors and consider simple ways to reduce their impact.

Chapter 11 — Discipline and Patience
Your Decision Rules
Write down a few rules that can help you stay consistent when markets or emotions become difficult.

Chapter 12 — Keeping Your Options Open
Your Liquidity and Optionality Map
Assess how liquidity and financial buffers protect your ability to wait, adapt and preserve future choices.

Part IV — Financial Readiness

Chapter 13 — Financial Readiness
Your Financial Readiness Map
Map the relationship between your resources, capabilities, agency and the financial choices that are realistically open to you.

Chapter 14 — Your Financial Readiness Check-up
Your Financial Readiness Check-up
Assess your strengths and vulnerabilities across the main dimensions of Financial Readiness and identify the constraint that matters most.

Chapter 15 — Your Personal Action Plan
Your Personal Action Plan
Turn your Financial Readiness profile into a small number of concrete actions designed to expand your capabilities, strengthen your agency and protect what matters most.

 

Download all chapter resources

Prefer to work through the resources as a complete set? Download the full Financial Readiness Resources booklet.