What do we do when we have some symptoms like dizziness or headache? We consult a doctor who in turn asks us to do certain tests like blood test which will tell if our body has high cholesterol or sugar level. Similarly, when it comes to our personal finances, sometimes we get certain symptoms of financial ill-health. It may be postponing some loan repayments or insurance premium payments; or the credit card balances might have shot up. In such a case, it is time to do a diagnosis of our financial health.