You may have trouble handling your finances, if . . .

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Your creditors keep calling you for payment;
You don't have a budget set up;
You use your credit card to buy groceries because money is short;
You don't pay off the credit card balance in full each month;
You pay a fee to cash your checks;
You use your credit card for cash advances;
You have a history of bouncing checks;
You are thinking about filing bankruptcy;
You carry more credit cards than cash;
You carry a balance on department store cards;
You only pay the minimum monthly payment on your bills;
You can't afford even the minimum monthly payments;
You reduce entertainment, or utilities, because you can't afford it;
You owe more money on your home or car than it's worth;
You are afraid to see your credit report;
Your credit cards are approaching, the authorized limit;
When dining with friends, you collect the cash, but pay with credit;
You have been recently turned down for credit;
You haven't saved 4 months living expenses;
You don't have a savings account;
You are afraid to show your spouse the checkbook;
You avoid discussing finances with your spouse;
You are uncomfortable discussing money or credit, even in general terms;
You avoid people you owe money to, no matter how small an amount;
You put off reconciling your checkbook;
You put off updating your budget;
You are still paying for your purchases from 2 years ago;