Debt Warning Signs - Credit Card Problems & Stress
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