KNOW WHEN TO STOP
            
                Are you in financial trouble? Take this test from the National Foundation for Consumer Credit:
            
            
                - Is your savings cushion inadequate or nonexistent?
- Are you using credit cards for items that you used to buy with cash?
- Are you at or near the limit on your credit cards?
- Are you unsure about how much you owe?
- Is an increasing percentage of your monthly income used to pay off debts?
- Are you able to make only minimum payments on your revolving credit cards?
- If you lost your job, would you be in immediate financial difficulty?
                If you answered yes to two or more of these questions, you should get help now.