If you're not sure you have a debt problem, ask yourself the questions below. They are the classic financial warning signs:
- You're regularly spending more than you earn
- You're struggling to pay your mortgage or rent, utility bills or minimum payments on your loans or credit cards
- Several of your cards are maxed out
- You can't manage day-to-day without relying on your credit card
- You're being contacted about unpaid bills and missed payments
- You're worried about paying back what you owe and your debts feel like a huge burden