Debt Test

Answer the following questions as honestly as you can (True/False)

1.) I can barely afford to pay for my home/unit/property T   F  
2.) I need to have credit just in case things go wrong T   F  
3.) I always seem to have a balance on my credit card T   F  
4.) By the time I pay my bills, I have nothing T   F  
5.) I have no money for any emergencies T   F  
6.) I got into debt due to unforeseen circumstances T   F  
7.) Some-one else ran up my debts T   F  
8.) I am paying back bills from PAST spending T   F  
9.) Someone ripped me off T   F  
10.)I made some mistakes that I am still paying for T   F  
11.)I have no new debt T   F  
12.)If only I could get this debt paid down T   F  
13.)If I really want something I can’t afford I just credit T   F  
14.)I don’t know how I ended up this way T   F  
15.) My credit card debt rises at certain times/events T   F  
16.) I made a big purchase that I didn’t have the money for T   F  
17.) I find it hard to say no to bargains T   F  

You have answered True (T) to 3 or more questions, you are debt dependent and this debt is likely to ruin your financial future.

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