Credit is not necessarily good or bad. Most of us use credit, but unwise use of credit can lead to problems. Use the Credit Checkup worksheet to determine whether you are abusing credit. Which of the statements apply to you and your family?

If you checked yes for three or more of these statements you will want to evaluate your use of credit and find ways to bring your spending into line with your income. You probably aren't a shop-a-holic, but rather someone who has not learned how to manage credit wisely. Your situation is not hopeless, but it will take a commitment to correct the situation and get back on the road to financial security.