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Financial Danger Signs

If your answer is YES for any one of the questions below, you should take a closer look at your budget--it may suggest a need for credit counseling. More than one YES may mean you need help in preventing debt problems. A YES answer to 4 or more questions means you are in trouble and should call for a consultation with one of our Certified Consumer Credit Counselors to determine your best options for getting back on tract with your finances.

  • Are you borrowing money on your credit cards to pay current bills?
  • Are you charging everyday expenses or small items?
  • Is there an increase in money arguments in your household?
  • Are you paying more than 20 percent of your take-home income for installment purchases and credit card charges? (this figure may be flexible if you are paying a lower than average house payment)
  • Are you forced to reduce your debt payments to pay for food and housing expenses?
  • Are any of this month's bills coming in before you have paid last month's?
  • Are you unable to save money for anticipated annual and occasional expenses? (i.e., insurance premiums, auto repair)
  • Are you borrowing more money before the old loan is paid off?
  • Is your total credit indebtedness more than you can pay off in 12 months?
  • Do your charge account balances grow each month?

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