my money is not enough to meet my needs. What should I do?
One of the biggest signs that you have an income issue is that you are using credit cards toward the end of the month to cover all of your expenses. If you are running out of money during the month, or you are using credit cards to help you manage between paychecks, then you are most likely facing an income issue. At first, this may not seem like a big problem, but as you run up your balance and your credit card payment goes up, the problem will only become worse.
