Are you making only minimum payments?

Are you arguing with your spouse when paying your bills?

Are you near or over the limit on your credit cards?

Do you borrow to pay everyday living expenses?

Are you using credit cards to pay for things you normally buy with cash?

Do you often pay your bills late?

Are you dipping into your savings to pay current bills?

Are you borrowing from family, friends or relatives?

Are you pawning family valuables for extra cash?

Are you living from paycheck to paycheck?

If you or your spouse lost your job, would you be in financial trouble right away?

Are you working overtime or holding a second job to make ends meet?

Are you paying paying late fees and penalties?

Are you unable to build a savings emergency fund?

Do you put off paying some bills until next month?