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Home > Education Center > Tips for Managing Your Money

Financial Stress Test

Answering yes to any of the following questions could mean you are having credit trouble.
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Are payments to creditors taking up more and more of your monthly income?
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Have you lost track of how much money you spend each month on debt?
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Are you at, or over, the limit on any of your lines of credit?
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Do you have to decide which bills to pay each month and which to put off until the following month?
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Do you pay late penalties often or every month?
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Do you make only the minimum payment month after month or skip payments?
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Do you find yourself borrowing from one card to pay another?
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Do you frequently use cash advances from credit cards?
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Do you write post-dated checks?
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Do you charge small expenses because you do not have the cash to pay for them?
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Do you use your savings to pay current bills and everyday expenses?
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Has your credit card been declined or have you been turned down for additional credit?
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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?
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Are creditors starting to contact you for payment?
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Have you lost track of how much you owe?
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Do you worry a lot about money?
 

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