·         You get behind in utility or rent payments.

·         You have to consolidate several loans into one or reduce monthly payments by extending current loans to pay your debts.

·         You cannot afford to pay for regular living expenses or credit payments.

·         Creditors are sending overdue notices.

·         The portion of your income used to pay debts is rising.

·         This month’s credit balances are larger than last month’s.

·         You are usually late paying some of your bills.

·         You borrow for items you once bought with cash.

·         You don’t have enough savings to meet expenses for at least three months.

·         You don’t know how much installment debt you owe and you are afraid to add it up.

 

 

Your thoughts on this subject?  Your comments appreciated!

Content © Rich Brott, 2011

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