Financial stress quiz

Take this 10-question true or false quiz to see how bad your debt problem is. The more of these statements that are true for you, the worse it is. Be as honest as you can because it is hard to change if you don't know what the problem is in the first place.

1. You don't have any savings.

2. You only make the minimum payment on your credit cards each month.

3. You continue to make more purchases on your credit cards while trying to pay it off.

4. You have at least one credit card that is near, at, or over the credit limit.

5. You are occasionally late in making payments on bills, credit cards, or other expenses.

6. You don't even know how much total debt you actually have.

7. You use cash advances from your credit cards to pay other bills.

8. You bounce checks or overdraw your bank accounts.

9. You've been denied credit.

10. You lie to friends or family about your spending and debt.

No matter what you scored, consider making a household budget to track your spending and plug the holes. Check out these debt tips from About.com for more help.