Do you need help with your debt? Ask yourself these questions. If you answer yes more than a few times, you may want to consider speaking with someone about your debt.
- Are your debts making your home life unhappy?
- Does the pressure of your debts distract you from your daily work?
- Have you ever made unrealistic promises to your creditors?
- Do you ever fear that your employer, family or friends will learn the extent of your total indebtedness?
- Are you concerned or anxious about your debt payments?
- Does your credit-card balance increase each month?
- Can you only afford to make minimum payments?
- Do you pay on time?
- Do you know where you spend your money?
- Do you frequently charge items that you used to buy with cash?
- Are you relying on cash advances to pay bills?
- Are you applying for more credit because your other cards are maxed out?
Sources: Thrivent's Debt Savvy, Debtors Anonymous. National Foundation for Credit Counseling
