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Your credit cards are maxed out and you're only sending in the minimum payment.
And
if you skip a payment you will be charged staggering late fees.
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An increasing amount of income goes to paying your debts. Only 10 - 15% of
take-home pay should be spent on credit debt.
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You're using one card to pay off another. Don't fool yourself into thinking you
squaring away your debts. All you're doing is borrowing more money.
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You decide that your next trip to the doctor will have to wait. If you're
jeopardizing your health because of money, it's time to reevaluate your credit
situation.
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Bills are paid with money that was intended for other things.
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Money is borrowed or credit cards are being used to pay for items, which used
to be bought with cash.
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Savings are used to pay current bills.
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You have no savings account.
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You don't have a job to pay your bills.
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You find yourself awake at night, worrying about your credit card bills.
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