Are you in financial trouble or "stressed out" because your debt is growing out of control? Review the debt problem danger signs below.

Warning signs of over-spending and too much debt

• Charging inexpensive items.

• Charging items you might not buy if you were paying cash.

• Charging more each month to accounts with outstanding balances.

• Charging items you don't need, and then feeling guilty.

• Charging items on a delayed payment plan.

• Assuming your credit cards entitle you to a particular standard of living, regardless of your actual income.

• You dip into your savings account for items and never replenish the supply.

• You have no savings account.

• You only shop at stores where you can "change it."

• Medical insurance is too expensive to afford.

• You are reluctant to open bills from creditors.

• You let payments "slide" until the next paycheck.

• You're still paying for last Christmas when this Christmas arrives.

• Discussions of monthly bills become arguments.

• You write checks today on funds that will be deposited tomorrow.

• You have no budget.

• Many items are purchased on a "lay-away" plan.

• You're purchasing the most expensive brand to "keep up" with others your age or in your income bracket.

• You postdate checks.

• You've applied for more credit cards to enable you to pay off other credit card balances.