Are you happy with your financial situation? 

If you're like most Americans, the answer is probably no. Last year, a survey from the Center for Financial Services Innovation found that 57 percent of American adults struggle financially, and 43 percent of U.S. households have trouble keeping pace with their monthly bills and credit payments. 

Those are scary numbers. The good news is that there are almost always options available to help you achieve financial wellbeing. The tricky part is knowing what those possibilities are and how to pursue them. 

The first step: Recognize the importance of financial health.

That's why the Center for Financial Services Innovation and FinCon 2016 have partnered together to develop Financial Health Day on June 29. 

#FinHealthMatters

Financial health means a lot of different things to different people. For some, it's about being on the right track to someday buy a house. For others, it's simply making sure they can comfortably pay off all of their credit and debt on a timely basis. 

However you define it, there's no question that financial health matters. But that doesn't mean it's easy to achieve. 

Financial Health Day is the perfect time to stop and take a thorough look at your current financial situation in order to figure out whether you're on a solid path or if you need to make a change to how you handle your spending, debt and credit.

Nontraditional credit for financial wellbeing

If you do find yourself worrying about your financial health, and particularly your credit score, then it may be time to embrace nontraditional credit. As we've covered previously, your traditional credit score is one of the most important parts of your overall financial wellbeing. After all, that score can impact everything from loan requests to apartment rental applications. Countless businesses will look at that score and immediately make a judgment about your financial health.

But 26 million American adults don't have any credit history on record with the Big Three credit bureaus that determine traditional credit scores, and an additional 19 million consumers have too little credit history to have a meaningful credit score. For all these Americans, the shortcomings inherent to FICO hurt their financial health. 

Fortunately, you can use nontraditional credit to build up your traditional credit score. If you're eager to improve your financial health, then this is a great option. 

For more tips and advice, be sure to search for #FinHealthMatters on Financial Health Day.