Quick Quiz: Give 1 to every ‘yes’ and 0 to every ‘no’ 1. Do you routinely pay your bills late? 2. Have you even hidden a bill from your spouse? 3. Have you neglected repairing the car because of insufficient funds? 4. Have you bought something recently that you didn’t need and couldn’t afford? 5. Do you regularly spend more than your pay check? 6. Have you been turned down for r credit? 7. Do you buy lottery tickets in the hope of getting out from under? 8. Have you put off saving money for a rainy day? 9. Does your total debt (mortgage excluded) exceed your rainy day reserve?
If your score is: 0 → Great! 1-5 → Try to reduce your debt. 6-9 → May be heading towards financial disaster.