Do you have unopened mail laying around? Having unopened mail might be a sign that you are afraid of what is inside. When you get your mail, open it the same day you get it. Make a plan to pay the bill. If you can't make it by the due date, call and make payment arrangements.
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No Emergency Fund
Do you have an emergency fund? By not having an emergency fund you are just one car problem or health emergency away from being in debt. Start by making your savings automatic. Have money taken from your paycheck and put into a savings account.
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Maxed Out Credit Cards
Do you have any maxed out credit cards? Credit cards require discipline. The balance should be paid off each month. Make a plan to pay off each card quickly.
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Make Minimum Payments
Are you only able to make minimum payments? If you can only afford the minimum payments, you owe too much.
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Ignoring Current Debt
Do you know how much you make? Do you have a budget? Knowing how much money you have and put a name to every dollar will help you face your financial situation.
Financial problems can easily spiral out of control if they are not tackled quickly. Here are some signs that you might be heading for financial trouble.
