It is often too easy to get Loans, credit cards and overdrafts and many people use them as a short term solution to cash flow problems. When you can’t afford the repayments each month, soon the problems can start.
- Do you use credit for things that you used to pay cash for?
- Do you struggle to meet your monthly commitments to store/credit cards, loans and overdrafts?
- Is the money coming in greater than the money you have going out?
- Do money worries cause arguments or do you worry that you will never be able to repay your creditors?
- Do you feel that things are now out of hand?