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Posted in Money Matters
You can’t eliminate personal debt if you don’t recognize it. If you’re laying awake at night worrying about money, you probably already know that you’re in over your head.
If you’re cruising along, juggling credit cards and spending away, you may not know you’re on a dangerous path. If you find yourself in any of the following situations, think seriously about addressing your debt.
  1. You routinely spend more than you earn.
  2. You make only the minimum payment required on your credit cards.
  3. Your credit limit is maxed on most of your cards.
  4. You’re unsure about how much you owe or what may be on your credit report.
  5. You skip payments on some bills in order to pay others, or use cash advances on one credit card to pay off another.
  6. You use credit cards for day-to-day purchases like groceries, movie tickets or fast food.
  7. You find yourself arguing with your spouse about money or you’re are afraid to talk to your spouse about money at all.
  8. Your utilities are disconnected for non-payment.
  9. You write cheques that bounce.
  10. You’ve recently been turned down for credit or a loan.
  11. You panic when faced with an unexpected expense, such as a car repair.
  12. You regularly ask friends or family for loans.
  13. You use a cash advance from one credit card to pay another.
  14. Creditors are calling you about overdue bills.
  15. You’re thinking about filing for bankruptcy.
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