Benchmark
Results
Comments
AFA Families
Financial Behaviors
June 2012
US Families
CASH FLOW MANAGEMENT
Have checking account
76%
89%
Pay all bills on time
62%
88%
Track expenses
76%
79%
Use a spending plan/budget
69%
46%
Learned about money mgmt
100%
20%
Have savings account
66%
75%
Have emergency fund
21%
33%
Save money on a regular basis
41%
49%
Save for long-term goal (house, car, education)
21%
39%
SAVINGS
CREDIT MANAGEMENT/INVESTMENTS
Have credit card
21%
79%
Review credit reports
100%
58%
Have any retirement account
14%
63%
Have any investment account
---
52%
OTHER FINANCIAL EXPERIENCE
Own home
(1 family)
65%
Spend more than 30% of income on housing*
69%
38%
Spend more than 50% of income on housing
30%
14%
Own car (by household)
97%
91%
Benchmark
Results
Comments
Benchmark
Results
Comments