• you pay for your weekly groceries by credit card or cheque.
• you borrow from friends or family without knowing when you'll be able to pay them back.
• you borrow money to pay off other debts.
• you're not sure how much you owe.
• you only pay the minimum amount due on your credit card(s) every month.
• you're paying late payment fees on credit or store cards.
• you regularly pay referral fees due to being overdrawn.
• you have used up all of your savings.
• your monthly income is not sufficient cover your monthly outgoings i.e. credit card, overdraft, utility bills.

If you find yourself regularly making ends meet using any of the above methods, you're most likely facing a debt problem. So why not take action now?

For even more helpful and practical ways to overcome money problems, download Ulster Bank's guide to dealing with debt here (PDF).