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1. You couldn’t survive financially without your job’s income for at least six months.
2. You’re saving less than 10% of your pay.
3. Your mortgage payment is more than one week’s salary.
4. Your credit card balance has remained the same for the past year.
5. You buy big-ticket items through interest-free, deferred-payment offers because you think you’ll be able to afford it next year.
6. You use one credit card to pay another credit card’s balance.
7. You pay an overdraft fee on your checking account every three to four months or more.
8. Before buying something, you often think, “I know I shouldn’t, but…”
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