1.   I barely make ends meet with my current income
2.   I rely on overtime to make ends meet
3.   I put off medical and dental appointments because I can't              afford them
4.   I worry that my utilities will be shut off, or that my car will be               repossessed
5.   I find it difficult to save
6.   I use my savings account to pay my bills
7.   I have had to borrow money for expenses like taxes and              insurance
8.   I have been denied credit
9.   I took out a new loan to pay off an old loan
10. I have some skipped or late payments every month
11. I frequently overdraw my checking account
12. I get past due notices and regularly pay late fees
13. All of my credit cards are at or near their credit limit
14. I can only afford to make the minimum payment on my credit              cards each month