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.
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.
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.
Are you only able to make minimum payments? If you can only afford the minimum payments, you owe too much.
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.
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