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Yes |
No |
| 1. |
Are you using your credit cards or borrowing to pay for items you once paid for with cash? |
|
|
| 2. |
Are you paying more to service your debts today than previously? |
|
|
| 3. |
Are you paying your bills with money you saved for another use? |
|
|
| 4. |
Are you using your savings to pay bills? |
|
|
| 5. |
Are you dipping into your emergency fund to cover monthly expenses? |
|
|
| 6. |
Are you only paying the minimum balance due on your charge accounts each month? |
|
|
| 7. |
Are you extending repayment schedules — paying in 60 or 90 days bills instead of 30? |
|
|
| 8. |
Have you maxed out or are you close to maxing out your credit cards? |
|
|
| 9. |
Are you taking out new loans before old ones are paid off? |
|
|
| 10. |
Are you unsure about how much you owe? |
|
|
| 11. |
Are you usually late in paying bills? |
|
|
| 12. |
Are you in danger of having financial or legal action taken against you? |
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