This brief set of questions will help you gauge whether financial counseling makes sense for you. Just answer as many questions as you can, as accurately and honestly as you can. If you have more than five YES answers, there's a good chance that you can profit from some financial counseling sessions.

Do the balances on your credit cards consistently reflect purchases that are more than one month old? Does your net worth (assets minus liabilities) fall short of what you'd expect for this stage in your life? Are your minimum monthly credit card payments so high that you don't have money to pay or you struggle to pay your current month's living expenses? Do you spend your expense report reimbursements rather than using them to pay off the charges on your credit card? Is money creating stress in the important relationships in your life? Have you put off saving for your long-term goals, such as retirement or your children's education? Do unexpected expenses blindside your plans every time you put together a budget? Do you spend more on your extended family and friends because you feel it is expected? Have you put off setting aside savings for a "rainy day"? Does your income fall short of your expectations or production? Do you lack the time to do the things you enjoy? Does it seems that you don't have any more spendable cash now than when you first started out, even though you are earning more than you ever imagined?