Signs and Symptoms of Credit Difficulties
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Signs and Symptoms of Money Difficulties
Written by Paul Richard - Institute of Consumer Financial Education, Executive Director
  1. "Someone will come along and rescue me "
  2. "I let others (or I wish there was another to) handle my finances. "
  3. "Spending money makes me feel good. "
  4. "I rarely balance my checkbook. "
  5. "I now use my credit cards for small items I used to get with cash. "
  6. "20 percent or more of my take-home pay goes for debt payments. "
  7. "I 'm afraid to calculate my net worth. "
  8. "I frequently find myself borrowing small amounts of money. "
  9. "If I lost my job, I'd be out of money in less than two weeks "
  10. "It makes me uncomfortable to talk about money. "
  11. "I don't know the total amount of my debts and obligations. "
  12. "It is very difficult for me to save any money at all. "
  13. "It seems to be a paycheck to paycheck life-style. "
  14. "There have been occasions when I have paid late charges on a loan. "
  15. "I have used (or plan to use) a consolidation loan to pay my bills. "
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