Money Quiz

Money and debt problems usually develop over time. Recognizing the early warning signs can make all the difference. Take a few moments to answer "Yes" or "No" to the following questions to determine if the right time to contact a qualified C&M Debt Counsellor is right now! You may need help to review your options, lets find out ...

• Are you receiving letters or phone calls from your creditors?
• Do you take cash advances on one credit card to pay another?
• Are your financial troubles affecting your work or family life?
• Are you only making minimum payments on your credit cards?
• Do you rely on credit for everyday living expenses?
• Do you find it difficult to keep your utilities up to date?
• Are you thinking about borrowing money to consolidate your debts?
• Do you have trouble preparing and sticking to a budget?
• Are you neglecting to buy proper food and necessities in order to make ends meet?
• Are your financial worries keeping you awake at night?
• Do I put more than 20% of my income toward non-mortgage debt?
• Do I live paycheck to paycheck with little or no savings?
• Do I pay with credit cards because cash is not available?
• Do I think about how much easier life would be if I could repay debt?
• Are you being garnished by a creditor?

How Did You Do? Do You Need Help?

• If you answered no to all the questions, keep up the good work!
• If you answered yes to 1 - 3 questions, it's time to take a serious look at your finances.
• If you answered yes to 4 - 6 questions, a consultation with a qualified C&M Debt Counsellor now may prevent more serious problems later.
• If you answered yes to 7 or more questions, you are in a financial crisis. Call a C&M Debt Counsellor immediately!