What are Some Warnings Signs That I Have Too Much Debt?

Inappropriate use of credit can be a huge financial pitfall for anyone.

Do determine if you have a a financial management and debt problem, see if the following warning signs apply to you:

• You are consistently receiving past due notices from your creditors and on other bills.
• You are charging more on your credit cards then what you make each month.
• You are unable to save at least ten percent of your pay each month.  
• You are unable to pay your credit cards in full each month and it takes longer and longer to pay down your debt.
• You have to juggle your payments or stall creditors so you can pay another. 

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