How healthy is your financial management? Try this easy test for a quick indication of your likely situation!

Do you reside in the US?
  Yes No
Do you own a house?
  Yes No
How many of your credit cards have reached their credit limit?
 
Do you pay only the minimum or less on any of your credit cards each month?
  Yes No
Do you juggle other bills to make the minimum payments on credit cards?
  Yes No
In the last year, have you gotten a payday loan?
  Yes No
Have you been paying late fees on overdue credit or store card bills?
  Yes No
Do you use cash advances from one credit card to make payments on another?
  Yes No
Has a collection agency contacted you about an unpaid debt?
  Yes No
Have you recently received a court notice, or a letter about bailiffs or a sheriff coming to your home?
  Yes No