debt problems -- more warning signs

After you pay your credit card bill, you increase your balance by the same amount (or more) the following month.
You're at or near your credit limit on your credit cards.
You count on the float in order to pay your bills, writing a check hoping that you'll be able to cover it by the time it clears your bank.
You're unsure of the total amount you owe on all your debts.
You take out cash advances on your credit card to pay other bills.

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