Financial Warnings
Here is a list of Credit Federal's Top Ten Financial Warning Signs. Are you in financial danger? See if any of these apply to you:
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You do not balance your checkbook: If you do not balance your checkbook against your monthly bank statement, you risk bounced check fees or overdraft fees.
You frequently receive late bill payment notices in your mail box.
You dread the ringing of your phone, fearing it may be a collection agency.
You do not have a personal household budget, or you fail to follow it.
You frequently use a credit card to make bill payments or to buy essentials such as food, because you are short of cash between pay periods.
You often make the minimum monthly payments on your credit card.
You borrow money from friends and family on a regular basis.
You need to spend most of your tax refund just to get caught up on bills.
You do not properly maintain your auto (rotate tires, change oil, get a tuneup) because you cannot afford the expense.
You do not have adequate insurance (life, home, auto, medical, dental) because you cannot afford the premiums.
If you are having difficulty with financial management, here are possible solutions:
- Consider getting professional help from a credit counselor.
- Consider using the equity in your home or auto as a low interest loan to payoff higher interest debts.
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