--- title: Empire Life Blog The debt problem test description: Do you have an issue with debt? Take a moment to answer these 13 questions and start a frank self-assessment of your money management habits. image: https://blog.empirelife.ca/hubfs/Peter%20Wouters/January%202018/GettyImages-579749396-1.jpg --- × #### Subscribe ### Subscribe to Email Updates Signing up for our Blog offers you the opportunity to subscribe and receive email notifications for Investment or Insurance type content only from The Empire Life Insurance Company and Empire Life Investments Inc. You may cancel your subscription to the newsletter at any time by clicking on [unsubscribe](http://www.fastandfull.ca/hs/manage-preferences/unsubscribe-simple) or, by contacting The Empire Life Insurance Company or, Empire Life Investments Inc. **The Empire Life Insurance Company** 259 King Street East, Kingston, Ontario K7L 3A8, Canada Toll Free: 1 800 561-1268 Email: insurance@empire.ca or investment@empire.ca **Empire Life Investments Inc.** c/o 259 King Street East, Kingston, Ontario K7L 3A8, Canada Toll-free telephone: 1 855 823-6883 Email: mutualfund@empire.ca Close [Facebook](https://www.facebook.com/Empire-Life-Insurance-142465432433812/) [Linkedin](https://www.linkedin.com/company/empire-life-investments) [Twitter](https://twitter.com/empirelifeins) Subscribe [EN](https://www.empire.ca/blog) | [FR](https://empire.ca/fr/blogue) [![Empire Life | Empire Life Investments](https://blog.empirelife.ca/hubfs/Logo/Combined%20Blog%20Images/combined-logo.png)](https://www.empire.ca/blog) # Insurance, Investments and Group Benefits ## Navigate life with confidenceTM - Insurance - [Insurance](https://www.empire.ca/blog/topic/insurance) - [Helpful Tips](https://www.empire.ca/blog/topic/helpful-tips) - [Customer Service](https://www.empire.ca/blog/topic/customer-service) - Investments - [Investments](https://www.empire.ca/blog/topic/investments) - [Investment Views](https://www.empire.ca/blog/topic/investment-views) - [Off the Cuff](https://www.empire.ca/blog/topic/off-the-cuff) - [Group Benefits(1)](https://www.empire.ca/blog/topic/group-benefits) - [Personal Finance (1)](https://www.empire.ca/blog/topic/personal-finance) ## [The debt problem test](https://blog.empirelife.ca/blog/the-debt-problem-test) [Helpful Tips](https://blog.empirelife.ca/blog/topic/helpful-tips), [Insurance](https://blog.empirelife.ca/blog/topic/insurance) Posted by [Peter Wouters](https://blog.empirelife.ca/blog/author/peter-wouters) Jan 30, 2018 10:45:33 AM Directeur, Planification fiscale et successorale et planification de la retraite, Gestion de patrimoine Placements Empire Vie ![Young man and expecting woman looking at tablet](https://blog.empirelife.ca/hs-fs/hubfs/Peter%20Wouters/January%202018/GettyImages-579749396-1.jpg?width=1209&name=GettyImages-579749396-1.jpg "Young man and expecting woman looking at tablet") Do you have an issue with debt? Take a moment to answer these 13 questions and start a frank self-assessment of your money management habits. [![Do you have a debt issue test](https://blog.empirelife.ca/hs-fs/hubfs/Peter%20Wouters/January%202018/DebtProblemTest-EN-F-1.png?width=354&name=DebtProblemTest-EN-F-1.png "Do you have a debt issue test")](https://www.empire.ca/docs/pdf/DebtProblemTest-EN-F-web.pdf)   If you answered yes to two or more of these questions, consider the following solutions. - Deal with any of the questions in this test where you answered “yes”. Start with the easier ones to build up good habits and confidence. - Document all of your expenditures. Do this daily for a month. You’ll be surprised by where it really goes. Stopping some of those expenditures won’t change your life for the worse. - Try using cash or your debit card for all expenses. People are uncomfortable seeing their bank accounts immediately drop in value when making purchases. A life insurance advisor can provide you with a clear picture of where you are, where you want to be and a roadmap with options that can help you get your money management and financial planning on track. He or she can also help with contingency planning when the unexpected occurs. It doesn’t have to take a lot of time to get this going. [![Connect with a life insurance advisor for peace of mind and a better sense of control today and for all your tomorrows](https://blog.empirelife.ca/hs-fs/hubfs/Peter%20Wouters/January%202018/Peter%20Wouters_Debt%20Problem%20Test_CTA%20Banner.png?width=805&name=Peter%20Wouters_Debt%20Problem%20Test_CTA%20Banner.png "Connect with a life insurance advisor for peace of mind and a better sense of control today and for all your tomorrows")](https://www.empirelife.ca/find-an-advisor) ![Get a quote and apply for life insurance](https://blog.empirelife.ca/hubfs/Logo/Combined%20Blog%20Images/GetAQuote-BlogButton-couple-EN.jpg) [BUY NOW](https://www.empire.ca/insurance/buy-life-insurance) ![Retirement Savings Tool](https://blog.empirelife.ca/hubfs/Blog_images/RST-Blog-EN.jpg) [Get Started](https://www.empire.ca/retirement-and-savings-tool) ### POPULAR POSTS ### CATEGORIES - [Insurance](https://www.empire.ca/blog/topic/insurance) - [Investments](https://www.empire.ca/blog/topic/investments) - [Group Benefits](https://www.empire.ca/blog/topic/group-benefits) - [Personal Finance](https://www.empire.ca/blog/topic/personal-finance) [Disclaimer](https://info.fastandfull.ca/disclaimer) [Legal](https://info.fastandfull.ca/legal) [Privacy Policy](https://info.fastandfull.ca/privacy-policy) [Accessibility](https://info.fastandfull.ca/accessibility) [Consumer Information](https://info.fastandfull.ca/consumer-information) [Contact Us](https://info.fastandfull.ca/contact) [Third-Party Tools and Sites](https://info.fastandfull.ca/third-party) [Confidentiality](https://info.fastandfull.ca/confidentiality) [Unsubscribe](https://info.fastandfull.ca/hs/manage-preferences/unsubscribe-simple) **CONTACT US** The Empire Life Insurance Company 259 King St. E. 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