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Five signs that indicate you need debt management!

Can you be in debt and not even know it? Absolutely! It happens to people all the time. The important thing is to recognize when you are in financial trouble. That way you can get the help you need to avoid falling even further into debt. Here are five conditions that might indicate whether or not you have problems managing your money.

• You have less money to spend on things you enjoy - If the money you have left over after paying bills is decreasing, or if you have to tap into your savings to cover payments, it could be an indication that you need debt management.
• You max out - If you max out your credit cards to pay longstanding balances you're paying higher interest than you could by consolidating your debt into one monthly payment. You can consolidate your bills by going to a debt consolidation agency and getting on one of their debt management programs. CLICK HERE (link to debt-consolidation.html) to learn about debt management services and what to watch out for.
• You stick to the minimum - Sticking to minimum payments is another good hint that you need debt management. For instance, if you pay the minimal amount due on your credit card balance instead of paying more, you're probably on the verge of needing debt management services.
• You don't have an emergency fund - The unexpected happens all the time. Cars break down, plumbing goes bad, and people get laid off from work. Unless you have an emergency fund in place (6 months worth of expenses) you could be headed toward financial disaster.
• You worry about money - Sometimes you just need to go with your gut instinct. If your mind is telling you that you're in debt, it's probably right.

Copyright 2002. Cash Advance Consultants.