What are some of the warning signs of impending financial disaster? Keep these points in mind - your credit is an important thing in today's credit centered society.

• Are this months credit card balances higher than last months?

• Do you pay only the minimum payment due on your credit cards?

• Have you added new credit accounts to increase your borrowing power?

• Have you reached or extended your credit limits on some accounts?

• Have any of your credit cards been revoked?

• Have you depleted savings in order to pay past due bills?

• Have you lost track of how much you owe?

• Are you using credit cards where you used to pay cash?

• Are you using credit card cash advances to pay bills?

• Have you avoided talking to your significant other about money?

• Are you putting off necessary payments like utilities or rent in order to pay credit card bills?

• Have you paid off large balances only to run up new large balances soon thereafter?

• Do you really know or understand the cause of your financial difficulty?

• Are you avoiding adding up the total due on credit card bills?

• Do you feel that you are drowning in debt?