Money problems are a common thing. One or two bad events, bad luck like losing a job, an unplanned vehicle or home repair… when financial problems appear, they tend to become difficult to resolve. After some time, financial problems can begin to affect your sleep and your health, your general personal life and your interpersonal relations.

Here are several early warning signs of a financial situation that may begin to degenerate:

• You tend to borrow money to make ends meet?
• You are more than often not unable to pay your rent on the first of the month?
• You use your credit cards more out of necessity than out of practicality?
• Creditors are harassing you?
• You make checks without available funds?
• You reduce your grocery bills or other essential expenses to make your payments?
• You use one of your credits cards to make a minimum payment on one of your other credit cards?
• You have difficulty making your payments on time?
• You use your credit card to pay for essential expenses (such as food and clothing)?
• You suffer from your public services being cut, or are having these services threatened to be cut (electricity, phone, etc.)?
• You take out a cash advance from one credit card to pay another credit card?
• You have little or no savings in case of an emergency or job loss?

If one or more of these things apply to your current or potential future situation, make an appointment with one of our trustees who can help and guide you. The process is completely confidential.