You wouldn't skip a medical check-up - so why ignore your finances? Just like physical health, your financial wellbeing needs regular check-ins.
We've just launched a brand new tool to help you measure your financial wellbeing in under 2 minutes. This week's newsletter is a little different - we'll walk you through what it does, why it matters, and how it can help you take control of your money.
Our free Financial Health Check is designed to give you a personalised score across five key areas, along with tailored recommendations. Best of all, you're getting early access - before we release it to the public. Read on to find out:
- Why you should take the test today
- How you can get access to the health check before everyone else
- What areas of your financial wellbeing we focus on
Why it's worth doing
Being in control of your finances means understanding your strengths and weaknesses. With our fast, free tool built for UAE residents you'll quickly:
✓ See how you score against our 5 key areas
✓ Understand your cashflow, savings and credit habits
✓ Spot red flags before they become problems
✓ Get tailored tips to improve your financial wellbeing
The five areas we measure
1. Budgeting
Do you have money left over each month, or does the end of the month feel like a squeeze? We look at how you manage your monthly income versus outgoings, whether you track your spending, and if you're able to set money aside.
Why it matters: Budgeting is the foundation - it powers savings, avoids debt, and gives you day-to-day breathing room.
2. Savings
Are you saving regularly, and is your money working hard for you? This dimension looks at whether you've built up any short- or long-term savings, how you're using interest-earning accounts, and if you're planning ahead for emergencies.
Why it matters: Savings are your safety net - they reduce stress, increase flexibility, and help you handle life's surprises.
3. Managing Debt
Do you owe money - and if so, how manageable is it? A little bit of debt is okay, particularly if you have a plan on how to pay it off. Trouble starts when you're accumulating debt and not doing enough to reduce it.
Why it matters: Managing debt well protects your future - and stops small problems turning into big ones.
Get the next UAE money briefing in your inbox.
Join the readers getting practical UAE money updates, not generic personal-finance filler.
4. Credit Cards
Are your cards working for you - or are you leaving benefits on the table? We believe a lot of value can be extracted from credit cards when used smartly. That takes choosing the right cards that deliver for you.
Why it matters: Credit cards can be a tool - or a trap. Used wisely, they offer flexibility and perks. Used poorly, they get expensive fast.
5. Money Transfers
Do you regularly send money abroad? If so, how much are you losing in fees or bad exchange rates? We ask about your habits and the services you use - some are clearly better than others!
Why it matters: Even small differences in rates can add up. If you transfer money often, optimising this could save you hundreds each year.
Why we built this
We've spent months researching, writing, and refining Money Luna's advice. This tool brings it all together and gives you a personal entry point to start improving your finances.
It's the first version of the health check, and we're keen to hear your feedback. Tried it? Let us know what worked - and what didn't. We're shaping future versions based on your feedback, so hit reply and share your thoughts.
