10 Financial Warning Signs Reality Check AWS
10 Financial Warning Signs
I don’t know where my money is going, but it is gone before pay day.
My financial concerns affect my sleep and health.
I routinely dip into savings to cover a shortfall.
My emergency fund is disappearing.
I am cash short and going into debt for necessities.
I avoid adding up all of my debt.
I receive calls from credit collectors.
I make only minimum payments on credit cards.
I lie to friends and family about money.
I bounce checks and pay overdraft fees.
Reality Check 1. Am I doing or thinking in a way that is inconsistent with my values? 2. Am I becoming more obsessive or compulsive? 3. Am I deceiving myself or someone else (lie, deny, cover up)? 4. Am I avoiding dealing with the real issues? 5. Am I seeking and believing truth or accepting my perceptions? 6. Am I accepting accountability and true help or yielding to enabling? 7. Am I assuming responsibility or am I blaming, excusing or justifying? 8. Am I identifying my emotions and giving them a healthy voice? 9. Am I learning and using skills and techniques to help me manage tasks? 10. Am I viewing my situations rationally and taking appropriate action? 11. Am I setting small, achievable goals and tracking my success? 12. Am I caring for myself in a healthy manner? (physically, emotionally, relationally & spiritually)
I don’t know where my money is going, but it is gone before pay day.
My financial concerns affect my sleep and health.
I routinely dip into savings to cover a shortfall.
My emergency fund is disappearing.
I am cash short and going into debt for necessities.
I avoid adding up all of my debt.
I receive calls from credit collectors.
I make only minimum payments on credit cards.
I lie to friends and family about money.
I bounce checks and pay overdraft fees.
Reality Check 1. Am I doing or thinking in a way that is inconsistent with my values? 2. Am I becoming more obsessive or compulsive? 3. Am I deceiving myself or someone else (lie, deny, cover up)? 4. Am I avoiding dealing with the real issues? 5. Am I seeking and believing truth or accepting my perceptions? 6. Am I accepting accountability and true help or yielding to enabling? 7. Am I assuming responsibility or am I blaming, excusing or justifying? 8. Am I identifying my emotions and giving them a healthy voice? 9. Am I learning and using skills and techniques to help me manage tasks? 10. Am I viewing my situations rationally and taking appropriate action? 11. Am I setting small, achievable goals and tracking my success? 12. Am I caring for myself in a healthy manner? (physically, emotionally, relationally & spiritually)
