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?