Take this short quiz, and be honest! Click on the box to answer "yes" to a question. If you end up with two or more checked boxes, it's time to get help.
1.) Do you use credit today to buy many of the things you bought last year with cash?
2.) Have you taken out loans to consolidate your debts, or asked for extensions on existing loans to reduce monthly payments?
3.) Your standard of living has stayed pretty much the same, but does your checkbook balance get lower by the month?
4.) You used to pay most bills in full each month but do you now pay only the minimum amount due on your charge accounts?
5.) Have you begun to receive repeated late notices from your creditors?
6.) Have you been drawing on savings to pay regular bills that you used to pay out of your monthly paycheck?
7.) You've borrowed before on your life insurance or 401K, but this time, are the chances of paying it back more remote?
8.) Do you depend on extra income, such as overtime and dividends, to get you through to the end of the month?
