Know When to Stop


Are you in financial trouble? Take this test from the National Foundation for Consumer Credit:

  • Is your savings cushion inadequate or nonexistent?
  • Are you using credit cards for items that you used to buy with cash?
  • Are you at or near the limit on your credit cards?
  • Are you unsure about how much you owe?
  • Is an increasing percentage of your monthly income used to pay off debts?
  • Are you able to make only minimum payments on your revolving credit cards?
  • If you lost your job, would you be in immediate financial difficulty?

If you answered yes to two or more of these questions, you should get help now.

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