When was the last time you stopped to consider whether you are financially fit? Do you have a budget and keep spending under control? Are you saving enough for your children's college education or your retirement? Are you feeling the pinch of the slowing housing market? Are you paying too much for insurance?

We asked 520 Kiplinger's readers questions like these in an online survery conducted from September 18 to 28 to find out how they were doing compared with adult Americans nationwide. The results: Our subscribers were in pretty good shape, for the most part, compared with the nation as a whole. You can find out how you stack up with our ONLINE FINANCIAL FITNESS TEST. Then in the stories below from our December issue read the 23 tips to help you get in shape financially -- from managing your credit to saving for college and retirement.

Is Your Budget on Track?
Tame your spending, establish an emergency fund and boost your credit rating with these simple steps.

Are You Protecting a Key Asset -- Your Home?
As housing markets slow, save more for a down payment and borrow with discretion.

Are You Saving Enough for College?
Look to 529 college savings plans, prepaid tuition plans and even relatives to help you set aside enough for your child's education.

Is Your Insurance Too Pricey?
Cut the cost of your coverage by shopping around for new policies and raising your deductible.

Can You Afford a Secure Retirement?
Fatten your nest egg with bigger contributions and consider staying on the job.

The Kiplinger Financial Fitness Test
How are YOU doing when it comes to your income, budgeting and saving habits, and the value of your home and insurance. Take our online quiz and find out.

MORE: Kiplinger.com | Your Money | Magazine

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