WARNING SIGNALS

• Are you using credit to pay for items that used to be handled by cash?
• Are you taking out consolidation loans to pay off old bills?
• Are you stuck in your overdraft and never able to get out?
• Are you putting bills off until the second notice?
• Are you paying only the minimum due on your charge cards?
• Do you and your spouse regularly argue over money?
• Are you paying more than 20% of your take-home pay per month on installment debts, not including mortgage?
• Are you receiving disturbing telephone calls from creditors?
• Are you feeling very stressed because of your financial situation?
• Do you feel that you could and should be managing better, but can never quite make ends meet?
• Do you regularly take out cash advances on your credit card in order to pay for everyday living expenses?
• Has your overall debt load been increasing over the years?
• Do expenses like car repairs and Christmas gifts cause a small financial crisis for you?

If you have answered "yes" to any of the above, you may need help with money or debt management.
Please see "How We Can Help"