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Daily Bread
Praise the LORD. Praise the LORD from the heavens, praise him in the heights above. Praise him, all his angels, praise him, all his heavenly hosts.
Psalm 148:1-3
Are You A Compulsive Spender?

To help assess whether or not you have some of the traits of a compulsive spender, read over the statements below and check those statements that apply to you.

  • It takes 20% or more of my income to pay my debts.
  • I spend when I am depressed and / or angry.
  • I am nearing or at the limit on lines of credit.
  • I make only minimum payment on revolving charges and loans.
  • I am charging food / groceries because I lack cash.
  • I frequently pay late charges on bills.
  • I tap into my savings to pay current bills.
  • I have an insufficient or non-existent savings cushion.
  • I would be in immediate financial difficulty if I lost my job.
  • I am being threatened with repossession or having earnings garnished.
  • I work overtime to make ends meet.
  • I have no idea how much I owe.
  • I worry about money a lot and feel hopeless and depressed.

If you have checked five or more of the statements, you may have a spending problem and may find it helpful to look at why you are spending the money. If you feel that low self-esteem may be at the root of your problem, as in many compulsive disorders, a professional counselor may be the answer. Get help by contacting CONCERN: EAP or your physician for assistance.



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Contact CONCERN
(901) 458-4000 or
1-800-445-5011

VVP employees call:
1-800-642-9794

Fax: (901) 458-0048

Write:
CONCERN
2670 Union Extended, Suite 610
Memphis, Tennessee 38112

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