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| 1. | Do you use shopping or spending to lift your mood or improve your self-esteem? | |
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| 2. | Do your spending/debting habits create conflict that affects your home life in a negative way? | |
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| 3. | Does the financial pressure caused by spending or debting distract you from your daily work? | |
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| 4. | Have you ever given false information in order to obtain credit? | |
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| 5. | When faced with financial stress, does the thought of borrowing money give you a great sense of relief? | |
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| 6. | When your spouse or children ask for their legitimate financial needs to be met, do you use your
debts or financial problems as an excuse not to attend to their needs? | |
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| 7. | Do you nurse the fantasy that life will be great when you get out of debt and meanwhile do everything
necessary to STAY in debt? | |
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