Warning Signs

It's hard to admit when you're having a problem with debt.This is natural.Debt can be painful.Here are some things that might indicate you're headed for trouble:

•  Next month's bills are here before you've paid last month's •  You get frustrated when you start to write checks •  There are more bills than you thought •  You know what past-due notices look like •  You get an overdue balance on a credit card statement •  You avoid opening letters or answering calls •  You rarely keep a running balance in your checkbook

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Note: This is intended as an educational guide and not investment advice. The information presented is not intended to advise you of strategies applicable to your specific situation, but rather to highlight issues for your consideration. Therefore, you should always consult your financial or tax advisors