1. You use credit cards every month for normal buys
2. You can't pay the usual bills - water, electricity, insurance
3. You're paycheck ends as soon as you get it
4. You have a poor mindset
5. There is no more to cut
6. You don't have any assets
7. You can't handle an emergency
8. You are allways worried about money
9. You do not have financial goals
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