1. Do you spend "money" on the assumption your income will rise?

2. Do you fail to keep an accurate record of your purchases?

3. Do you hide your purchases from the family?

4. Do you often fail to pay monthly bills?

5. Do you own more than 5 credit cards?

6. Does having several credit cards make you feel richer?

7. Do you spend more than 20% of your income on credit card bills?

8. Do you tend to make only minimum Credit Card payments?

9. Do you use cash advances on one credit card to pay another?

10. Do you often but groceries with credit cards?

11. Eating out, do you collect cash and then pay with your credit card?

12. Do you have trouble imaging life without credit?
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