Should you be shopping this holiday season? Take the quiz. - NBC Right Now/KNDO/KNDU Tri-Cities, Yakima, WA |

Should you be shopping this holiday season? Take the quiz.

Posted: Updated:

KENNEWICK, Wash.--  Black Friday is just around the corner, and many people are already thinking about shopping, but should you even be shopping?

That's the question Consumer Credit Counseling Service of the Tri-Cities wants you to ask yourself.  While there's no mathematical formula to help you determine how much to spend, you can answer a few questions to see if you should spend anything at all.

Answer true or false to the following questions:

  •  There are arguments in my home about money
  •  I sometimes hide my purchases
  •  I have thought about filing for bankruptcy
  •  I struggle to make my mortgage payment
  •  I sometimes pay my bills late
  •  I have used more than 30% of my available credit lines
  •  My debt interferes with my sleep, job, or home life
  •  I have little or no savings
  •  I am receiving collection calls or notices
  • If I lost my job, it would mean an immediate financial crisis in my life 

If you answered "true" to two or more of the above, you probably shouldn't be shopping this holiday season or you have to do it on a super tight budget or get creative with gifts that don't cost money.