  How to Tell If Your Personal Finances are Out of Control  It
can sometimes be hard to tell if financial problems in a home
are truly out of control. There are a few indicators, however,
that can help to clarify whether some type of outside help is
needed to resolve problems with spending and debt.   There Is
Never Enough Money  An obvious sign that personal finances are
out of control is when there is just not enough money each month
to fully pay all of the bills that are due while also being able
to afford basic necessities. If a choice between buying food and
paying a utility bill has to be made each week, then there are
definitely financial problems in the household. Depending on the
situation, a budget might be able to help bring finances back in
line.  Bill Collectors Keep Calling  Collection agencies and
credit card companies call aggressively when payments are not
made on time or are not made in the correct amount. A bill might
be going unpaid because there is not enough money. It is never
good to ju