You can get a rough sense of your debt problem by honestly answering the
following questions. The more “yes” answers, the more work you have to do.
following questions. The more “yes” answers, the more work you have to do.
Are you clueless about how much you owe your creditors?
Over time, is a growing percentage of your household income going
toward paying your debts?
Do you ever pay your bills late because you don’t have enough money?
Have you stopped paying some of your debts?
Are you paying only the minimum due on some of your credit cards
because you can’t afford to pay more?
Are you using credit and/or credit card cash advances to help pay debts
and/or your basic living expenses, such as groceries, rent, or utilities?
Have you maxed out any of your credit cards, or have any of your cards
been cancelled for nonpayment?
Do you have little or nothing in savings?
Have you borrowed money from friends or relatives to pay your bills?
Have debt collectors begun calling you, and/or are you receiving threatening
notices from some of your creditors?
Are you having a hard time concentrating at work because you are worried
about money?
Are you losing sleep because of your finances?
Have you and your spouse or partner begun to fight about money?
Are you drinking more or using illegal drugs to try to cope with your
money worries?
Are you an overspender? According to Debtors Anonymous, most compulsive
spenders answer “yes” to at least 8 of 15 questions. Go to www.
debtorsanonymous.org/help/questions.htm and take the Debt Quiz.
Over time, is a growing percentage of your household income going
toward paying your debts?
Do you ever pay your bills late because you don’t have enough money?
Have you stopped paying some of your debts?
Are you paying only the minimum due on some of your credit cards
because you can’t afford to pay more?
Are you using credit and/or credit card cash advances to help pay debts
and/or your basic living expenses, such as groceries, rent, or utilities?
Have you maxed out any of your credit cards, or have any of your cards
been cancelled for nonpayment?
Do you have little or nothing in savings?
Have you borrowed money from friends or relatives to pay your bills?
Have debt collectors begun calling you, and/or are you receiving threatening
notices from some of your creditors?
Are you having a hard time concentrating at work because you are worried
about money?
Are you losing sleep because of your finances?
Have you and your spouse or partner begun to fight about money?
Are you drinking more or using illegal drugs to try to cope with your
money worries?
Are you an overspender? According to Debtors Anonymous, most compulsive
spenders answer “yes” to at least 8 of 15 questions. Go to www.
debtorsanonymous.org/help/questions.htm and take the Debt Quiz.
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