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Financial check-ups will help identify possible financial problems at an early stage in the family. That way you can take action that must be done to fix it. That requires a tool or tools to perform these check-ups as well as doctors in our health check. In general, the financial condition examination carried out by calculating ratios or certain comparisons and draw conclusions from the results. There are three critical points that must be checked:

• About the present situation, measured by liquidity (the availability of cash to pay for the purposes of routine and urgent).

• The impact of past decisions of debt, measured by the solvency (ability to pay debt obligations at maturity).

• Future conditions, productivity is measured by the ratio of assets from the savings or invest.

Liquidity Check-Up
In general, all families will require a certain level of liquidity to maintain the ability to pay their regular expenses. Examination of financial liquidity levels can be done using the liquidity ratio, which can be calculated by comparing the liquid assets in the form of cash, savings and demand deposits with an average of a month. For example, suppose that the amount of cash, savings and deposits are IDR 5,000,000 and the amount of monthly expenditure Rp 3.000.000. From this data, the ratio of liquidity = 5000000: 3000000 = 1.67. This ratio shows the ability of liquid assets to cover the monthly demand for 1.67 months or 1 month 20 days.  In general, the recommended ratio of 3 to 6 months (emergency fund). Ratio is too small can be difficult to meet the needs of everyday life, especially when there is a risk that short-term impact, such as the need to repair damaged homes and others.

In contrast, the liquidity ratio is too large, causing inefficiency exceeds the needs of managing assets. Assets in cash will not yield the maximum inflation actually declined consumed. Liquidity ratio is too large to close the possibility to take advantage of investment assets. As such, should always endeavored to maintain a certain level of liquidity in accordance with the financial situation and the pattern of life.

Debt Check-Up
Further check-ups related to the debt problem. Financial problems in the language is known as the solvency, the ability to pay the mortgage debts at maturity. How do I measure it? How to measure it is by calculating the ratio of debt payments to income. The ratio of debt repayment will be used to measure the level of ability to pay debt repayment obligations in a period of time, or measure the level of expenditure for payment of debts. Is calculated by comparing the total mortgage debt that must be paid within a certain time period with a total income in the same period of time.

Asset Productivity Check-Up
Expenditure of income each person can be grouped into three main headings, namely:

• To make ends meet everyday.
• To pay the debt.
• To save and invest.

The first two expenditure items we discussed. Next, let us look at the postal saving and investing. Paying off debt associated with past financial decisions. Daily needs are financial problems of today. Saving and investing is a matter for the sake of the future.

Without the savings and investment, in fact what we are doing will only run until the present only, or extreme, we do not have a future. As long as earnings are still able to cover expenses, yet felt the direct impact. Most people are like this. When there is disruption of income, financial life will be disrupted, which is in deficit. Without savings and investment, this deficit will not be closed immediately, and even likely to grow and endanger financial stability. Without the surplus revenue, would be very difficult to do financial planning in order to ensure good financial condition in the future, especially for the long term.  To measure the power of saving and investment ratios are used to save power. Is calculated by comparing the amount of money saved for investment purposes with the income.