How do you know when you may need help managing your money and debts? There are some definite warning signs, which may indicate that you need assistance with debt management. These warning signs can include:
● Difficulty paying bills on time● Receiving collection calls or past due notices● Living in your overdraft or line of credit● Losing sleep worrying about debts● Spending more than your income allows● Not paying credit cards in full each month● Impulsive spending due to financial worries● Hiding spending or debts from a partner● Allowing bills to stack up because you can’t pay them● A decline by your financial institution to consolidate your debts● No budget or spending plan in place● Feelings of hopelessness that you’ll never get out of debt