Sometimes the first sign of debt trouble is that you ignore the signs: You don’t know what your credit card balances are, for example, or you just don’t open statements.

Your subconscious usually tells you when you’re in a danger zone, says Beverly Harzog, author of “The Debt Escape Plan.” It may whisper at first, with headaches or sleepless nights. Other times it hollers. You can’t stretch your paycheck to cover all your bills, or you avoid money discussions with your partner.

But facing your debt is the first step toward mastering it.

6 SIGNS OF TROUBLE

Indicators that your debt is a problem:

—Your credit card balances keep rising. It’s best to pay credit cards in full every month. Next best is paying enough to whittle down balances over time. If your balances are growing, your financial worries are, too.

—At least one credit card is maxed out. There’s one exception: Don’t count a balance-transfer card you’re using for debt consolidation — provided you have a plan to pay it off while the interest rate is in the low introductory period.

http://www.jamaicaobserver.com/business-report/6-signs-you-8217-re-in-debt-over-your-head_103615