Signs you're flirting with financial ruin
Paying late fees
Frank Boucher, principal of Boucher Financial Planning Services in Reston, Va., said habitually running up late fees typically has one of two causes.
"If you're paying late because you can't pay on time, that's a clear indicator (of future financial trouble)," Boucher says. "If you're paying late fees because you're just lazy about it, you're throwing money away."