Signs and Symptoms of Money Difficulties

Written by Paul Richard - Institute of Consumer Financial Education, Executive Director

1. "Someone will come along and rescue me "
2. "I let others (or I wish there was another to) handle my finances."
3. "Spending money makes me feel good."
4. "I rarely balance my checkbook."
5. "I now use my credit cards for small items I used to get with cash."
6. "20 percent or more of my take-home pay goes for debt payments."
7. "I 'm afraid to calculate my net worth."
8. "I frequently find myself borrowing small amounts of money."
9. "If I lost my job, I'd be out of money in less than two weeks "
10. "It makes me uncomfortable to talk about money."
11. "I don't know the total amount of my debts and obligations."
12. "It is very difficult for me to save any money at all."
13. "It seems to be a paycheck to paycheck life-style."
14. "There have been occasions when I have paid late charges on a loan."
15. "I have used (or plan to use) a consolidation loan to pay my bills."