It's hard to admit when you're having a problem with debt. This is natural. Debt can be painful. Here are some things that might indicate you're headed for trouble:

Next month's bills are here before you've paid last month's You get frustrated when you start to write checks There are more bills than you thought You know what past-due notices look like You get an overdue balance on a credit card statement? You avoid opening letters or answering calls You rarely keep a running balance in your checkbook