Do you have debt problems?

YES NO		I carry credit card balances for a long time and often pay only the minimum amount due.
YES NO		My credit card balances are growing each month. I am at or near my borrowing limit on one or more of my credit cards.
YES NO		I no longer have a savings account, or I am using savings to pay bills I used to pay from my checking account.
YES NO		I try to manage my money to a budget, but I often come up short when I sit down to pay bills.
YES NO		I use cash advances from credit cards or the overdraft feature on my checking account to pay bills and basic living expenses.
YES NO		I borrowed from friends or family when money was tight, and haven’t yet paid it all back.
YES NO		I juggle payments, paying one creditor one month and another the next so that they are both getting something.
YES NO		I often transfer balances from one credit card to another because I can’t afford to pay all of my monthly credit card bills.
YES NO		I have “consolidated” my debts into a home equity loan or a single credit card at least once.
YES NO		I rely on overtime pay or money from a second job to pay my regular bills.
YES NO		I don’t have the money to pay irregular bills, like real estate taxes and insurance.
YES NO		When I come home from shopping, I sometimes hide my purchases or lie about how much they cost.
YES NO		I no longer pay attention to how much I owe.
YES NO		I sometimes get notices in the mail or phone calls telling me I’m late with a payment.
YES NO		My heart rate increases when my credit card is run through the machine because I never know if it will be accepted.

Getting Out of Debts (Step by Step Instructions)

• Do you have a debt problem?
• Why it’s so easy to get into debt trouble
• Four steps to reduce your debt
  Step 1 - Admit that you have a problem and commit yourself to fixing it.
  Step 2 - Stop debt spending.
  Step 3 - Make a spending plan.
  Step 4 - Pay down your debts month by month. Pay them off one by one.
  
  
• Ask for Financial help
• If you’re behind in your payments
• What about bankruptcy?
• What you should know about your credit record
• Making your money work for you