Financial
Keys

10 WARNING SIGNS OF DEBT DANGER

1.You are afraid to answer the phone because you fear a creditor is calling
2.You avoid opening mail because you know it will be a bill
3.You have no idea how much money you spend on average in a month and you have never written it down
4.You regularly borrow money from friends and family to make it until your next pay day
5.You are making only the minimum payments on high interest debt such as credit cards
6.You are using credit to pay for credit
7.You are having for pay for basic living needs with credit and are unable to pay all of your montly bills
8.You are taking out cash advances
9.You fight about money but never talk about money
10.You have no money saved for an emergency

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If you are identifying with these warning signs you need to prioritize your debt. This may mean paying off high interest debt first or paying off debt that will help supply your basic needs.

*Our budget worksheets will help you identify your values, determine where you are spending your money, and help you set goals that you can rid yourself of the stress of debt.

*Our tips help you find ways of reducing living expenses and cutting costs.

*The free financial planning tutorials allow you to take your first steps towards gaining control of your financial life. They provide the structure and framework that will help you organize and keep track of your spending habits so that you are able to make and reach realistic goals.

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