QUESTION 1 Goal setting is the first action in personal financial planning. True False QUESTION 2 Creating a budget helps to you to monitor where your money is going. True False QUESTION 3 The first bill of the month is to pay yourself. True O False QUESTION 4 Credit reports are reviewed for many job applicants and to determine car insurance premiums. True False QUESTION 5 Saving and investing are the same thing. True O False