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Spotlight

Overview

Are you in control of your finances...or do your finances control you?

Overview

Getting into debt is easy, getting out of debt takes knowledge, effort, and real determination. How do you know when you need financial help? For starters, take the test below. This should give you an idea of your financial situation.

If you spend more than 15% of you take-home pay on unsecured debt - such as credit card payments or signature loans - you owe too much.

Warning Signs of Debt Trouble

Are you:

  • Paying only the minimum due on accounts?
  • Using one credit card to make payments on other credit cards?
  • Putting off one bill to pay another?
  • Thinking about a debt consolidation loan?
  • Using credit to purchase things you previously purchased with cash?
  • Taking advances on paychecks or depending on overtime to make ends meet?
  • Avoiding the mail?
  • Worrying excessively about your debt?

    • If you answered "yes" to two or more of these questions, it's time to act. Consumer Credit Counseling Service can help you find your way out of debt.

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