Top 10 Signs You Are In A Financial Mess

A friend of mine recently asked me what were some of the top signs that someone was in financial distress.  I sent him the below list.

  1. You have $0 in savings
  2. You know exactly how much you have left in overdraft protection – and you USE it
  3. You are well aware of what the term "NSF" means
  4. You leave bills unopened because you are scared of what is inside
  5. You are saving nothing for retirement and planning on the lottery and the government to take care of you
  6. Your kid has 53 Webkinz, but you have nothing saved for their college
  7. You borrow money from your children
  8. You borrow money from a payday loan store or a pawn shop
  9. You have $483,000 in credit card debt
  10. You are 35, have no job or income, live in Mom's basement, and wonder why things are not going well (financially or otherwise)

Would you add anything to this list?

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  1. Sandie on October 5, 2009 at 3:28 am

    Fortunately these do not belong to my pile of debt, but watching a friend go through this right now….

    Your kid’s day care center takes you to collections for failure to pay and/or bouncing a check more than once.

    You spend $100 you don’t have at a consignment shop sale and go out to dinner filled with drinks and appetizers because you need a girls night out.

    Eating at Chic-Fil-A at least once a week and making excuses to splurge just because it’s Save your receipt day

    Buying a $20 new release movie because your husband just took your kids to see it for free at church and decides he wants to see it too.

    There’s more – but that was all just from this past week!

  2. Kevin on October 8, 2009 at 11:28 am

    You have 39 Credit Cards in your purse or wallet!!

  3. Judy on October 11, 2009 at 2:14 pm

    You took out a reverse home mortgage on the only thing you actually do own (due to inheritance).

  4. Travis on October 12, 2009 at 6:57 pm

    whewwww…. Only $482,999 in CC debt!

  5. Keith on November 18, 2009 at 4:48 pm

    You go to Kentucky Fried Chicken to lick other people’s fingers.

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