Twelve Signs of a Compulsive Debtor

1. Being unclear about your financial situation; not knowing account balances, monthly expenses, loan interest rates, fees, fines, or contractual obligations.

2. Frequently "borrowing" items such as books, pens, or small amounts of money from friends or others and failing to return them.

3. Poor saving habits: not planning for taxes, retirement, or other not-recurring but predictable items and then feeling surprised when they come due; a "live for today, don't worry about tomorrow" attitude.

4. Compulsive shopping: being unable to pass up a "good deal;" making impulsive purchases; leaving price tags on clothes so they can be returned; not using items you've purchased.

5. Difficulty in meeting basic financial or personal obligations, and/or an inordinate sense of accomplishment when such obligations are met.

6. A different feeling when buying things on credit than when paying cash, a feeling of being in the club, of being accepted, of being grown-up.

7. Living in chaos and drama around money; using one credit card to pay another; bouncing checks; always having a financial crisis to contend with.

8. A tendency to live on the edge; living paycheck to paycheck; taking risks with health and car insurance coverage; writing checks hoping money will appear to cover them.

9. Unwarranted inhibition and embarrassment in what should be a normal discussion of money.

10. Overwork or under-earning: working extra hours to earn money to pay your creditors; using time inefficiently; taking jobs below your skill or education level.

11. An unwillingness to care for and value yourself: living in self-imposed deprivation; denying your own basic needs in order to pay your creditors.

12. A feeling or hope that someone will take care of you if necessary, so that you won't really get into serious financial trouble, that there will always he someone you can turn to.