Can Blacks Get Out of Debt?

Check your debt condition quiz:
3 points = always
2 points = often
1 points = sometimes
0 points = never

1. I can't make it through the month without overdrawing my checking account.
2. My checkbook balance gets a little lower every month.
3. I pay the minimum due on my credit and charge cards each month.
4. I am behind on one or more installment payment.
5. I am at or near the borrowing limit on my credit and charge cards.
6. I have no (or a very small) savings account.
7. I count on income from overtime or odd jobs or windfalls to get through the month.
8. I borrow to pay bills that I know are coming up-taxes, insurance premiums, etc.
9. I use credit cards or cash advances to pay for groceries, gas and other necessities.
10. I don't know exactly how much I owe.
11. I juggle my bill payments, paying one this month and another the next.
12. I get dunning letters or phone calls.
13. I sell or pawn family belongings to pay my bills.
14. I worry about my bills and argue about money with my family.
15. Worrying about money makes me feel physically ill.
If your total score is 15 or below, you're doing well.
If it's 16-30, you're average, but you can do better.
If you scored 30-45, you're on dangerous ground.
If you scored 45-60, you're already in bad shape.

Have you considered a home-based business?
Esther
http:www.estherpinkston.com