YES     NO

1. Are you using credit cards for items you used to pay for with cash?                                     /
   
2. Is an increasing percentage of your income going to pay for interest expense?                   /
   
3. Are you tapping more of your savings to pay current bills?                                                     /
   
4. Your savings should be at least three months’ take-home pay.  Is yours inadequate?        /
   
5. Are you making only minimum payments on revolving charge accounts?                            /
   
6. Are you shuffling debt from one card to another on 0% introductory rates?                        /
   
7. Are you taking out new, larger long-term loans before the old ones are paid off?                /
   
8. Are you extending repayment schedules rather than shortening them?                                 /
   
9. Are you being charged fees for financial services you don’t want or need?                         /
   
10. Are you unsure about when bills are due, or lost interest in how much you owe?               /
    

   For help and more information contact (your emergency preparedness specialist).
CATCH THE VISION, GET FACTS, DEVELOP SKILLS AND BE PREPARED.