Financial Warning Signs

• Do you run out of money before payday?
• Do you make only the minimum required payments on your credit card bills?
• Do you charge items that you used to pay for with cash?
• Do you avoid going to the doctor or dentist because you can’t afford to pay for it?
• Do you and your spouse argue about money and bills?
• Do you write post-dated checks?
• Do you pay your utility bills inconsistently?
• Do bill collectors call you?
• Are you experiencing a significant loss of family income and you’re trying to make up the difference by taking cash advances on your credit cards or you’re opening new credit card accounts?
• Do your monthly payments to creditors (excluding mortgage) total more than 20% of your take-home pay?
• Do you avoid totaling the amount of your outstanding debt?