If you use your credit cards regularly, it can be difficult to see a problem. You may be into a routine with managing your credit cards in a certain way that you cannot see that your debt is out of control. When this happens, it is a slippery slope to falling behind on payments and ending up in collections. To ensure that you avoid this situation, it helps to learn about the signs that you may not be controlling your credit card debt as well as you think.

Business Insider explains there are certain signs that point to trouble with debt, specifically credit card debt. However, these signs can apply to any other debt as well.

One of the biggest things to watch for is when you cannot save money or create a savings because all your extra money has to go to pay down debt. One of the keys to financial soundness is having a savings available for emergencies or to live off of in the event of a job loss. If you cannot save because of debt, it is a huge problem that sets you up for financial disaster if something out of the ordinary happens.

Another sign is that you do not manage your balances properly. You should know the full balance and when you will pay it off. If you do not know what you owe and have no idea of when you will pay that balance off, it shows that you may be spending without considering the consequences. Plus, the longer you pay on a balance, the more money you end up paying, which is only taking away from money you could use for other purposes, such as saving.