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Create A Personal Financial Statement In Minutes and Determine your Financial Readiness. Personal financial statements are used for various purposes, such as assessing one’s financial health, applying for loans, planning for retirement, or as part of the overall financial planning process. Worthsheet Personal Financial Statement provides a snapshot of an individual’s financial situation and lenders and financial institutions may request personal financial statements when considering loan applications. Worthsheet Homebuyer Financial Readiness tool provides a financial readiness calculator via 5 easy to answer questions. Are you considering purchasing a home? Are you financially ready?