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Determine if you're in financial danger

En Español

If any of the following warning signs apply to you, it's time for you to stop and seriously think about your financial situation.

I can barely make ends meet with my current income.
I rely on overtime to make ends meet.
I put off medical and dental appointments because I can't afford them.
I worry that my utilities will be shut off, or that my car will be repossessed.
I find it difficult to save
My emergency fund has less than $1,000.
I use my savings account to pay my bills.
My monthly loan payments for all debts (except the mortgage) equal more than 20 percent of my take-home pay.
I have had to borrow money for recurring expenses like taxes or insurance.
I have been denied credit.
I took out a new loan to pay off an old loan.
I have skipped a regular monthly payment.
I only pay the minimum payment on my credit card.
I am near, or at, the limit on my credit card.

If things are getting out of control: