Few things in life cause more stress than money problems. Below are signs of financial distress which indicate that you need financial assistance:

• You are borrowing to meet regular expenses, such as food and utility bills.
  
  
• You are barely able to make the minimum required payment on bills, but continue to charge.
  
  
• You are using one form of credit, such as a line of credit or a debt consolidation loan, to make payments on other debts.
  
  
• You are using 20% or more of your take home income to pay credit card bills and personal loans (excluding mortgage payments).
  
  
• Your revolving credit cards are charged to the limit.
  
  
• You are behind on credit payments and receiving calls from creditors or collection agencies.
  
  
• You are bouncing checks.
  
  
• You have no CASH RESERVE.