Fighting with your partner over finances
Most couples have occasional fights about debt, but if you regularly fight with your spouse about money, it can be a sign there's not enough disposable income to finance the family's spending, Boucher says.
Likewise, Cecere says if you're regularly suffering from stress over heavy debts, it could be an indication that your financial situation is unsustainable.
"It's on your mind, but you don't want to talk about it. You can't sleep at night because you're worried about your bills," she says.
If that description sounds familiar, Cecere says it might be time to seek a free, nonprofit credit counseling service.