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If you answered mostly "No" (more than 3 out of 7), you are in an enviable position. For the moment, you're not in danger of getting over-indebted or using credit unwisely. Stay vigilant and informed.
If you answered mostly "Yes" or "I refuse to admit it" (more than 3 out of 7) you're in debt or over-indebted. It's imperative that you and your family learn how to use credit to your advantage and not let it ruin your financial
health. Tackle the difficult task of paying off your debts with every ounce of will you can muster.
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