Do You Have a Money Problem?

We know this sounds like the start of a bad joke, but it's a pretty good indication that you have a money problem if . . .

• You rank money ahead of health, love, family, and friendship.
• You buy things just to impress others.
• You can't stand to save, so you spend any extra money at the end of the month.
• You feel guilty about spending money on necessities.
• You believe money can solve all problems.
• You can tell us -- to the penny -- how much you're carrying in your purse or pocket.
• You constantly pick up the bill at restaurants or bars just to be appreciated.

Money problems are really common. In fact, people are saving at the lowest level since the Great Depression -- the nation's personal savings rate for all of 2007 was less than zero (i.e., we spend more than we make). That's the worst showing in 73 years. Credit card debt for the average household that carries a balance is $12,000.

Take this quiz to find out how to reduce your financial stress and start building healthier habits for life. And read "Top 5 Ways to Lower Your Financial Stress" at our partner site, HowStuffWorks.com.