Assess Your Financial Attitude and Eliminate Your Debt Forever

Want to know if your attitude towards your finances is helping you or damaging your future? Take this Quiz and find out...

I consider myself out of debt when:

1.I don't owe anyone anything
2.I don't owe anyone, except for a mortgage and a car loan
3.I could pay off my credit card debts at any time
4.I'm making all my minimum monthly payments on time

If my friend told me he had several credit cards with all zero balances, I would think:

1.He's very disciplined
2.I should ask him for some tips
3.He must not have much fun
4.What a waste of a lot of unused credit

My bill paying system is to:

1.Sit down each Sunday night and pay what's due in the next ten days
2.Check the pile of bills every few days and pay any that are past due
3.Wait until three days before the ten-day grace period expires
4.Pay a bill when the company calls to remind me I'm late

If I find myself in a financial pinch, I:

1.Reduce my spending and don't charge anything
2.Get a part-time job and pay down some debt
3.Don't worry, just charge everything
4.Don't worry, my dad always helps me out

When we need a new appliance, my spouse and I:

1.Review our budget to decide when we can afford to pay cash
2.Review our budget to make sure we can afford the payments to charge it
3.Go to the store together and get the appliance we want
4.Go to the store separately and each get what we want, to surprise each other.

I pay off my credit cards balances:

1.Every month
2.Every two or three months
3.A couple of times a year
4.Never

When I buy a new car I'll:

1.Trade in my old one, add a big down payment, and pay the rest with a car loan of three years or less
2.Trade in the current one and pay the rest with a five-year car loan
3.Lease
4.Trade in my old car, which is worth less than I owe on it, and roll over the balance into a six-year loan for the new car

I believe that using professional financial services:

1.Is a good way to learn how to accomplish your goals
2.Is okay for people with complicated finances
3.Is something I'd consider if I had more time
4.Is only for rich people

If something is innacurate on my credit report, I:

1.Call immediately to find out how to dispute it
2.Wait till I have some spare time to call and inquire
3.Order my report again next year and see if it changes
4.Forget about it since it's out of my control

I feel financially comfortable when I:

1.Have a secure income, savings, a growing retirement account and enough insurance coverage
2.Have a good job
3.Have enough money to pay my monthly bills
4.Can get approved for a loan for a new car

More Resources

Unable to open RSS Feed $XMLfilename with error HTTP ERROR: 404, exiting

More Debt Relief Information:

Related Articles

Bank Like a Banker
The business of banking has changed dramatically over the last decade. Because the cost of doing business the old-fashioned way is no longer effective, banks are interested in changing their customers' behavior by encouraging electronic banking alternatives whenever possible.
Currency Trading Fee Concept
Troubles with Global Economy; Do you see future problems with our global economic plans to make a one world system, where free trade and prosperity can rein the world over. Many world leaders have agreed a one-world system is best for all.
Bankruptcy - Your Fresh Start
Most American consumers are living too close to the edge. They are carrying too much credit card and mortgage debt and have too little in the way of savings.
Debt and Your Dreams
You may not realize what that credit card bill is doing to you?Bob is a 27 year old truck driver. He dropped out of college after one year and got a job.
Learn The 15 Debt Elimination Steps You Must Take Immediately!
What Everybody Needs To Know..
New Bankruptcy Law - Targeting the Wrong People?
Last April, President Bush enthusiastically signed into law the oddly-named Bankruptcy Abuse and Consumer Protection Act. This bill, representing the biggest overhaul of bankruptcy law in twenty-five years, was written in order to discourage "bankruptcy of convenience.
Credit Card Debt Elimination
Credit card debt elimination can be done with a good plan and a little patience.The important thing is to find what works best for you and stick to your plan.
Is Debt Negotiation Bad?
Educating yourself about the ins and outs of debt negotiation is a good first step. Please note that the term 'debt negotiation' is also known as debt arbitration or debt settlement.
What is Bankruptcy?
Personal bankruptcy is a legal way to give people with overwhelming debt a fresh financial start. However, it is important to realize that certain forms of debt, such as student loans, are not forgiven through the bankruptcy process.
British Families and Debt
There is current concern from the Bank of England that British families are getting deeper into debt, however, it has been said that lenders are putting themselves at risk because people are now more willing to make themselves bankrupt.Despite people already having significant amounts of debt, credit card companies are still prepared to lend these people money.
How To Get Out Of Debt
If you have found yourself in a position where you are in serious debt and cannot think of a way out of the situation, then take a few minutes to read these few tips. Some may seem obvious but do put them into practise as they will help.
How Do You Spell Debt Relief?
Of all the problems possible in a marriage, finances cause the most marital discord. Many singles consider finances to be their most worrisome issue.
Debt Collectors: Men or Mice?
Who are these people anyway? They viciously harass you and call you bad names. They embarrass you beyond belief by leaving detailed messages with your neighbors and at your workplace.
Debt Free and Carefree
Are you still clearing a mountain of debt amassed last Christmas or even during last year's summer holiday?For those of you who make financial plans, who budget and save, you can skip this article. For those who get a little carried away, who regularly spend more than they can afford, this article is for you.
IVA Advice
An IVA (individual voluntary arrangement) is an alternative to bankruptcy introduced by the government as part of the Insolvency Act 1986. This article provides an overview of IVAs and suggests what readers should watch out for when looking for IVA advice.
Debt: Dont Pay Your Minimum Balance
Almost all Americans carry credit card debt. Actually, over 40% of US families spend more than they earn.
Mr. Cheapies Frugal Budget Tips
So you feel like a hamster spinning your wheel? The faster you run, the faster the wheel spins. Just when you get a raise, you notice the price of hamster wheels jumps!Mr.
Are You SURE Your A Bad Debt?
Many people who seek the advice and guidance of debt counsellors are driven to them in the first place by fear and ignorance - two powerful emotions which often mask the real scale of the problems.In many cases, what you made have been led to believe is a 'bad' level of debt, may instead need only some careful reorganisation and a new set of mortgage priorities.
Debt Relief with this Simple Formula
Is there a way to get out of debt without getting a second job or having to increase your income in some way? Can the averageperson take his or her current income and pay off his or her bills in a matter of a few years, including the car and mortgage payments?The answer is YES!!! You can do it without having to cut out all of your fun and extra-curricular activities as well. Now, you may need to cut down on going to the movies or going out to eat, but you will not have to stop altogether.
Credit And Debt Relief--A One Stop Solution
Amy Wright, 34, was extatic when her realtor showed her the three bedroom townhome overlooking the lushious golf course. It was exactly the home she was looking for.