One of the sure signs that you need to seek help: using payday loan services. The businesses are ubiquitous and offer you a short term supply of cash in exchange for exorbitant fees and interest. Effective interest (whether it is called interest or fees) can be measured in the hundreds or the thousands. Wikipedia has a good article on the phenomenon. The Canadian government and the provinces are now starting to take action and regulate this booming industry, but they can’t deal with the core problem. Payday loans exist because people are desperate for cash and can’t make ends meet. I know, I have been there. If you ever have to use such services more than once, then you need help. Either you have to find ways of cutting back on expenses or you have to find ways of dealing with your debt. Drastic measures will be required.