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11. Counting on a windfall. Are you putting bills aside waiting for a big Christmas check from Aunt Jane, a bonus or a commission? This is like one of those storm-warning flags that alert sailors to bad weather. It’s a distress signal that financial problems lay ahead and that you’re about to run into a storm of debt.
12. Doing the old credit card hocus-pocus. These are the words often spoken by a magician when bringing about some sort of magic change. But there’s no magic change you can make with credit cards if you’re continually making late payments or worse yet, skipping some. The only “magic” that can help keep you from falling further into debt is to pay off your balances.
13. Fighting over finances. Couples that are not struggling with debt rarely have arguments over money. If you and your spouse or partner is constantly arguing over money, it's because you're having financial problems. A better solution than fighting over finances is to sit down, have a calm discussion about the problem and then make a plan for getting them under control.
14. Paying overdraft fees. You could be on the brink of financial disaster if you’re constantly paying fees for overdrawing your checking account. Whether you want to face it or not, this means that you just don't have enough money to support your current lifestyle. You will rarely find pages will get you
If you see some of these warning signs
If you see only one of these warning signs, you're probably not headed for a financial disaster in the next few months. However, if you see three or more of these danger signs it's time to buckle down, get to work and make a plan for getting your finances under control – before you start hearing from debt collectors. Trust us when we tell you that debt collectors are in general not very nice people and if you fall into their clutches, they can make your life miserable.