Money and debt problems usually develop over time. Recognizing the early warning signs can make all the difference.

Take a few moments to answer “Yes” or “No” to the following questions to determine if you could use the help of a certified credit counsellor.

Am I In Debt? Money Quiz
1. Are you receiving letters or phone calls from your creditors?
2. Do you take cash advances on one credit card to pay another?
3. Are your financial troubles affecting your work or family life?
4. Are you only making minimum payments on your credit cards?
5. Do you rely on credit for everyday living expenses?
6. Do you find it difficult to keep your utilities up to date?
7. Are you thinking about borrowing money to consolidate debts?
8. Do you have trouble preparing and sticking to a budget?
9. Are you neglecting to buy proper food and necessities just to make ends meet?
10. Are your financial worries keeping you awake at night?

How Did You Do?

Add up the number of questions you answered with “yes” and see our suggestions below.

1: You have healthy money habits. Keep up the good work and check out our blog for more tips on achieving financial success.

1-3: It is time to build some of your money management skills. Start developing a budget, use credit wisely and learn more about your credit rating.

4-6: You need professional assistance. Scheduling a credit counselling session now may prevent more serious problems later.

7+: You are likely experiencing a financial crisis. We can help. Find your local credit counselling agency today!