Warning signs of borrowing and poor money management.

1. Regularly spending beyond your budget.
2. Living from pay packet to pay packet.
3. Having to borrow money from friends and family.
4. Being unable to meet large, one off expenses like car repairs.
5. Making only the minimum repayments on your credit card each month.
6. Using debt to repay debt - for example, using one credit card to repay another.
7. Being constantly at or near your credit card limit.
8. Getting late payment notices for bills. (Do you open your mail?)

What can you do about it? Here are 2 suggestions. First of all go through the budgeting section to see where your money goes and what surplus is left to help you turn your money problems around. Secondly admit to having too much borrowing and go to our Debtonator to find out how to turn it around.