Debt diagnosis
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Not opening bills
Avoiding contact with your creditors (the people you owe money to) isn't a good tactic, and makes them suspect you won't pay, rather than can't pay. It won't go away if you cover your eyes.
Big repayments
If you're paying out 20%, say, of your money every month on repayments that means you're going to feel the pinch. It's a large proportion of your income, and you will genuinely feel like you're struggling. Make sure you're not paying too much interest on your borrowing.
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