The following danger signals can indicate financial problems ahead.
- Are you continually late in making your payments?
- Are you near the dollar amount limits of your credit cards?
- Do you make minimum payments on credit card balances?
- Do you find it difficult to save?
- Do you have to use savings to pay current bills?
- Are you using a credit card because you do not have enough cash?
- Have you been denied credit?
- Do you use a credit line or cash advance from one credit card to make payments on another?