Your Financial Wellbeing Assessment - Dilly

Welcome

Welcome to Dilly

This assessment looks at two aspects of your Financial Wellbeing: your Financial Reality and your Financial Experience. Both matter, and sometimes they tell different stories.

There are no right or wrong answers - we're simply getting to know where you are at.

✓ Takes 8-12 minutes to complete

✓ All responses are confidential

✓ We'll show you personalised insights at the end

Part 1: Your Financial Reality

Let's start with some questions about your current financial situation

Question 1 of 14

Which best describes your income situation right now?

Regular, predictable income (employed/salaried)

Variable income (self-employed/gig work/zero hours)

Benefits-dependent or no current income

Mixed (some regular, some variable)

Question 2 of 14

At the end of each month, how do your essential costs (rent/mortgage, bills, food, transport) compare to your income?

I usually have money left over

I just about break even

I often fall short and need to borrow or use credit

I'm consistently short and building up arrears

Question 3 of 14

Which statement best describes your debt situation?

No debt, or only mortgage/student loan on track

Some debt but manageable - making payments without strain

Debt is a constant pressure - juggling payments and creditors

Debt feels impossible - missed payments, collections, can't see a way out

Not applicable/prefer not to say

Question 4 of 14

If an unexpected expense of £500 came up tomorrow (broken boiler, car repair, etc.), what would happen?

I could cover it from savings without concern

I could probably manage it but it would be tight

I'd need to borrow or use credit

I have no way to cover it - it would be a crisis

Question 5 of 14

Looking ahead 3-6 months, how confident are you about your financial situation?

Confident - things are stable or improving

Cautiously optimistic - managing for now

Uncertain - anything could tip the balance

Worried - I can see things getting worse

Question 6 of 14

When you think about your money situation, what happens in your body?

Take a moment to notice what you feel physically when money comes to mind

Question 7 of 14

Complete this sentence: When I need to deal with finances, my mind feels...

Clear and capable

A bit foggy but I can push through

Overwhelmed - too many things at once

Blank or frozen - I can't think straight

Exhausted - I've got no mental energy left

Question 8 of 14

Which of these best describes how you typically handle money tasks (checking accounts, opening bills, making decisions)?

I face them head-on, even when uncomfortable

I put them off but eventually deal with them

I avoid them until there's a crisis

I can't even think about them - they're completely overwhelming

I deal with them but it drains me completely

Question 9 of 14

How would you describe your current energy level around financial matters?

Ready for anything. Just get on and do it

I might procrastinate a bit but I'll do it within a few days

It's grinding me down and starting to feel a bit too much

I've given up and checked out, I have no energy left

Anxious / Stressed / Exhausted

Question 10 of 14

How is money affecting your important relationships?

Not at all, I feel able to discuss with important people who are close to me

Causes some tension but no falling out or pressure

Causes some tension and falling out

I keep it all to myself

I've withdrawn, it's all too much

Question 11 of 14

When you think about your financial future, what do you see?

I can see a path forward, even if it's tough

I focus on getting through today/this week/this month

I swing between hope and despair

I can't see beyond the immediate crisis

I've stopped thinking about the future

Question 12 of 14

How does money affect your sleep?

Doesn't really affect it

Occasionally keeps me awake

Frequently disrupts my sleep - waking up worrying

I'm either not sleeping or sleeping too much to escape

Constant nightmares or early waking with dread

Question 13 of 14

Which statement feels most true right now?

I feel capable of influencing my financial situation

I'm doing what I can but it feels like swimming against the tide

I feel powerless - circumstances control me, not the other way around

I've stopped trying - nothing I do makes a difference

I'm paralyzed - I know what I should do but I just can't

Question 14 of 14

Now you've answered the questions, is there anything else that comes to mind?

This is optional - only share if there's something important we haven't captured

Your Financial Wellbeing Assessment

Welcome to Dilly

Part 1: Your Financial Reality

Part 2: Your Financial Experience

Your Financial Wellbeing

Dilly