You May be in Financial Trouble If

1. To reduce credit card debt your goal is to get you credit balance under $35,000.

2. Your brother in law who because of Jeff Foxworthy thinks he might be a redneck is your financial planner.

3. You never had an impulse to spend that was ignored and your credit report can prove it.

4. You believe whole heartily that the best way to lower your credit card bill is to apply for a new card and pay of the old credit card with the new one.

5. You have done the above example more then once.

6. You cant figure out why Donald Trump can borrow money and become a billionaire and you can't, but you keep on borrowing any way because you think that sometimes dreams do come true.

7. You purchased a car and a house in late 2007 and the combined monthly payment  is more then your take home pay for the month.

8. You are not sure if you should sell your car from the above example so you can pay your mortgage on time.


And finally You May be in Financial Trouble if

9. Planning for for your retirement some how just doesn't seem important right know but planning on borrowing money for a bigger and better present life is of major importance.


Although this post was my attempt at humor there is also a lot of truth here. If you or anyone you know is struggling financially you should seek out qualified counseling and begin to change the way you think about your finances. One of the best resources available today is Dave Ramsey I highly recommend  his financial philosophy to. As always plaese leave a comment and let me know what you think about this post.