Do you have a Spending Problem?
Answering the following questions will help determine whether you are a compulsive spender. Or at least that’s the theory!!!
1. I have not seen my credit statement for over a year and don’t care.
2. I can barely afford the minimum payments on credit card balances - and don’t care.
3. I haven’t checked whether I can get a better credit deal elsewhere for over 2 years.
4. I have an overdraft that runs close to the limit every month.
5. I have been turned down for credit 3 times in the last year.
6. I have no pension, no savings and no assets.
7. I focus on credit card gifts and incentives, not the APR.
8. I have more than twenty credit cards with balances.
9. I have never used a budget to control my spending.
10. I run out of money regularly and have to borrow more on my overdraft.
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