Financial Stress Test

Answering yes to any of the following questions could mean you are having credit trouble.

Are payments to creditors taking up more and more of your monthly income?	Yes	No
Have you lost track of how much money you spend each month on debt?	Yes	No
Are you at, or over, the limit on any of your lines of credit?	Yes	No
Do you have to decide which bills to pay each month and which to put off until the following month?	Yes	No
Do you pay late penalties often or every month?	Yes	No
Do you make only the minimum payment month after month or skip payments?	Yes	No
Do you find yourself borrowing from one card to pay another?	Yes	No
Do you frequently use cash advances from credit cards?	Yes	No
Do you write post-dated checks?	Yes	No
Do you charge small expenses because you do not have the cash to pay for them?	Yes	No
Do you use your savings to pay current bills and everyday expenses?	Yes	No
Has your credit card been declined or have you been turned down for additional credit?	Yes	No
Have you been putting off medical and dental visits, car repairs, or other maintenance because you don’t have the cash to pay for it?	Yes	No
Are creditors starting to contact you for payment?	Yes	No
Have you lost track of how much you owe?	Yes	No
Do you worry a lot about money?	Yes	No