Ask yourself these questions:

• Do you use credit cards to buy food?
  
• Do you use one credit card to pay another?
  
• Are you near or over your credit card limit?
  
• Do you pay your bills late?
  
• Do you get credit card cash advances to pay bills?
  
• Do you pretend bills are not there?
  
• Do you only make minimum payments on your credit cards?
  
• Do you sleep well with the amount of debt you have?
  
• Are debt collectors calling you?
  
• Do you never stick to your budget?
  
• Are you spending more money than you earn?
  
• Is illness, loss of a job or personal problems causing you financial hardship?
  
• Are you borrowing from your family and friends just to manage?
  
• Is your vehicle about to be repossessed?
  
• Are you behind in your house payments or rent?
  
• Do you need top up loans to pay your utility bills and or car registration?
  
• Is your car uninsured?
  
• Do you spend to feel good?
  

Did you answer YES to any of these questions?
If so may-be a Financial Counsellor can help!

DISCLAIMER The information provided in this information sheet is of a general nature only, and is not intended to be legal advice. There may be errors or inaccuracies or the information may not be completely up-to-date. Always check the information provided before relying on it. The information relates to consumer law in New South Wales, Australia.