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- There are many danger signs.
- Here are a few:
- --More than 20 percent of
- take-home pay needed for
- consumer debt payments.
- --Skipping payments or flip-
- flopping bill payments so you
- pay some one month and others
- the next.
- --Consolidation loans that
- don't lower your interest rate,
- but do lower your monthly
- payments and extend the term
- of the debt.
- --Charging monthly expenses.
- --Inability to put aside savings
- for emergencies and goals.
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-