Checklist untuk Masalah Hutang

Jika anda mengata 'Ya' bagi setiap soalan berikut, anda memang mempunyai masalah hutang yang tenat Are you clueless about how much you owe your creditors?  Over time, is a growing percentage of your household income going toward paying your debts?  Do you ever pay your bills late because you don't have enough money?  Have you stopped paying some of your debts?  Are you paying only the minimum due on some of your credit cards because you can't afford to pay more?  Are you using credit and/or credit card cash advances to help pay debts and/or your basic living expenses, such as groceries, rent, or utilities?  Have you maxed out any of your credit cards, or have any of your cards been cancelled for nonpayment?  Do you have little or nothing in savings?  Have you borrowed money from friends or relatives to pay your bills?  Have debt collectors begun calling you, and/or are you receiving threatening notices from some of your creditors?  Are you having a hard time concentrating at work because you are worried about money?  Are you losing sleep because of your finances?  Have you and your spouse or partner begun to fight about money?  Are you drinking more or using illegal drugs to try to cope with your money worries?  Are you an overspender? Anda perlu melakukan sesuatu....!!!