15 Signals That Hint 'Financial Trouble'

•	"Spending money makes me feel good."
•	"I let others (or I wish there was another to) handle my finances."
•	"Someone will come along and rescue me"
•	"I rarely balance my checkbook."
•	"I now use my credit cards for small items I used to get with cash."
•	"20 percent or more of my take-home pay goes for debt payments."
•	"I'm afraid to calculate my net worth."
•	"I frequently find myself borrowing small amounts of money."
•	"If I lost my job, I'd be out of money in less than two weeks."
•	"It makes me uncomfortable to talk about money. "
•	"I don't know the total amount of my debts and obligations."
•	"It is very difficult for me to save any money at all."
•	"It seems to be a paycheck to paycheck life-style."
•	"There have been occasions when I have paid late charges on a loan."
•	"I have used (or plan to use) a debt consolidation loan to pay my bills."