Annemarie Segaric, Life & Business Coach

Do You Have a Spending Problem?

Is money (or lack of it) a constant source of stress for you? You CAN be free of your financial worries and actually have more than enough to meet your needs and satisfy your wants.

Take this self quiz to see where you stand.

1=less true 5=most true

1	2	3	4	5	This month's bills come in before I've paid last month's bills.
1	2	3	4	5	I receive at least one cutoff/past due notice per month.
1	2	3	4	5	I have a stack of unopened bills/notices.
1	2	3	4	5	I keep a negative running balance in my checkbook.
1	2	3	4	5	I search for products I can buy with minimal down payments.
1	2	3	4	5	I get excited about how much credit line I have left.
1	2	3	4	5	I get at least one cash advance per month from my credit card.
1	2	3	4	5	I am frequently short a few dollars and borrow from friends, etc.
1	2	3	4	5	I get high from telling the clerk to "charge it."
1	2	3	4	5	I am always interested in getting new charge cards.
1	2	3	4	5	I feel inordinately good when I pay routine bills like the phone or rent.
1	2	3	4	5	I am reticent to discuss the subject of money and walk away from social conversations about it
1	2	3	4	5	I've had an account closed in the last 6 months and am angry about it or have blamed others.
1	2	3	4	5	When my paycheck or loan comes in, I experience a great sense of relief.
1	2	3	4	5	I rarely keep a running balance in my checkbook.
1	2	3	4	5	My credit card balances run near the maximum credit line.
1	2	3	4	5	I have little or no savings, investments or assets; nothing available for contingencies.
1	2	3	4	5	I bounce more than three checks per year.
1	2	3	4	5	I have only a vague idea of my various financial obligations.
1	2	3	4	5	Money is tight, but there is always someone I keep turning to who won't let me starve.

_____________ # of Yes answers

SCORING KEY

20-35 Doesn't look like a problem.

36-50 Get on a budget!

51-75 Borderline situation. Read How to Get Out of Debt, Stay Out of Debt & Live Prosperously by Jerrold Mundis

76-100 Clearly a problem. Go to a Debtor's Anonymous meeting TODAY!

Ready to become financially healthy and amass the wealth you deserve? Contact Annemarie to find out more.

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