1. You have savings
2. You don't any have debt
3. You don't have to count the days until your next payday
4. Getting through a month without having to dip into savings
5. Your mortgage is paid off 6. Having a "rainy day" fund
7. You can buy what you want without worrying
8. Being able to afford house maintenance if it's needed (for example fixing the shower ASAP if it breaks)
9. Having more than £500 disposable income a month
10. Being able to treat yourself every now and then
11. Knowing how to budget each month
12. You have a good credit score
13. Being able to eat out if you feel like it without it having to be a special occasion
14. You make sensible spending choices
15. You go on more than one holiday a year
16. You're confident about your future
17. Being able to go on a last minute holiday without feeling guilty
18. You have the ability to make wise decisions about money and spending
19. Owning more than one property
20. You make good financial decisions without needing advice
21. You don't argue over money with loved ones
22. Not having to look at the price of clothes when shopping
23. Having multiple investments
