	Yes	No
Do you hide credit purchases from family members?
Do you use credit for everyday living expenses?
Are you making only minimum payments on your credit cards?
Do you rely on overtime, tips or bonuses to make ends meet?
Is more than 15% of your net pay going to non-mortgage debts?
Have you consolidated debts and now have new credit card balances?
Do you take cash advances on one credit card to pay another?
Do finances cause stress and arguments at home?
Are you unsure of how much you owe in total?
Do you frequently apply for new sources of credit?

Money Quiz

Please check off the options that apply to your situation