Find Out If Your In Debt By Taking This Simple Test...posted on 16 February 2012 | posted in Get Debt FREE | ( 0 ) CommentsYou may think that everything is cosy and you can manage your money because you have a credit card and it's ok... But have you looked at the bigger picture? Do you actually know what you are spending and what you shouldn't be spending? Take the test below... If you cannot do it then you are in debt... A simple test is to not use your credit cards for a whole month, make the minimum payments on them, after you have paid all your other fixed costs such as mortgage, Council tax, utility bills, loans etc etc and then see if you can get through the month by just using the cash left from your wages. If you can get through the month without dipping into your credit cards then your finances are probably sound, however if you run out of cash part way through the month and have to use your cards for everyday expenses such as food and petrol then you need to take a long close look at your finances. Start by completing a simple household income and expenditure form [excluding unsecured debt repayments] and if the money left over each month is not enough to cover your minimum contractual payments on your unsecured debt repayments then you really need to take action sooner rather than later. It is a simple as that... If you cannot do this then contact Integrity now for professional, fair and impartial advice on 01743 272900 Share this blog entry:
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