• No savings in the bank.
  • Use of Pay Day Loans.
  • You don’t know the true and full monthly expenses.
  • No money left before payday “more month left at the end of the $”.
  • Fooling yourself by using credit to create income.
  • Charge more per month than you are paying on the account.
  • Request credit limit be increased.
  • Stalling/juggling creditors because you can’t pay them all.
  • Consolidating other loans into one.
  • Impulsive buying.
  • Convenience of credit cards are now used as a financial tool.