April is recognized as Financial Literacy Month. On the website there are 30 steps to financial wellness. Even if you don’t get a chance to get started on the 1st or even in April, the steps can be done at any time. The important thing is to get started. Finances are not such a scary thing, once you figure out what to do.

Step 9 is Do you Pass the Debt Test?

There is a 10 question yes/no quiz to see how you are doing with debt. Some of the questions include, are you close to your limits on your credit cards, can you only make the minimum amounts on your revolving credit accounts, are you using credit to purchase things you used to use cash for.

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Nancy Kvamme