What Is Unsecured Debt, and Why Is It a Problem?

Can I see into the future?

Thought for today: As DA states, “Unsecured debt is any form of that not backed up by some form of collateral, like a house, car or other asset”.  Why is it problematic for compulsive debtors? A member shares: “Easy credit works like a drug for us.  Banks encourage us to use of credit, because they usually profit […]

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“I Changed My Attitude and Increased My Income”

Thought for today: Underearning can become a self-fulfilling prophecy where we believe it will never get better.  That attitude is hard to change and often leads to despair. A member shares: “My income stagnated for years, even though I had an advanced degree.  It felt like it was against the laws of society and nature for me to […]

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“‘No’ Is a Complete Sentence”

Thought for today: Sometimes it feels like we can’t resist spending money on something a family member needs.  The compulsion is overwhelming.  Circumstances feel like there is no alternative.  I dismiss all logic.  It’s at these times that we need to remember what the program teaches.  Like money in the bank, making meetings pays dividends […]

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How to Relieve Money Pressures

Thought for today: The disease of underearning and debting can involve co-dependency.  Trapped and helpless, weeks can turn into months and then years with no improvement. A member shares: “My boyfriend takes all my money.  He’s an addict.  I can’t afford to leave, so I feel stuck.  I keep wishing for someone to wake me up […]

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Inviting Spirituality Into Our Work With Others

Thought for today: When all else fails, we always have our Higher Power.  Spirituality brings out the best in us. A member shares: “When I first got a sponsor, I shared about problems I was having at work.  They asked me, ‘Where is your Higher Power in it? ‘The point is that I needed to invite […]

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Creating Wealth

Thought for today: There is no magic spell to increase your income. It takes creativity, focus, hard work, passion and discipline to create wealth, or anything of value. Creativity means trusting your instincts enough to test them out in the laboratory of life.  It means choosing where to focus your effort between competing interests. Many alternatives […]

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Sober Money

Thought for today: If we are underearners, we can’t harbor jealousy of people who seem to have more than us.  It can lead to anger and resentment, and we’ll seek to place blame.  If we can avoid it, we’ll find answers that fear kept hidden… A member shares: “My spending habits were out of control.  I had a warped attitude around […]

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6 Ways to Find the Hidden Gems in Your Life

Thought for today: The goal of PlentyTML.com is to create an attitude of abundance.   As underearners, we do this with the DA program of recovery, and by letting go of old attitudes that don’t bring us joy. To gain some measure of happiness, we take the Twelve Steps, use the Twelve Tools, and follow the Twelve Traditions.- the  Three […]

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“How My Self-defeating Attitude From Childhood Toward Money Changed”

The planet Pluto, filmed in July, 2015 for the first time from 8,000 miles away.  

Photo from The White House.

Thought for today: Ideas have real power.  They can ‘put a man on the moon’, or propel a spaceship to Pluto, the farthest planet in our solar system. Some ideas can inspire great things, while others can rob us of opportunity and serenity. Sometimes we inherit ideas and attitudes from family or friends that are incongruous with prosperity.  Self-defeating […]

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Why Underearners Struggle Getting Career Advancements

Thought for today: Compulsive underearners chronically underperform on the job.  No matter how hard you feel you are working, you wind up more depressed as tome goes on, and make less money than you need to survive and thrive. Putting aside under earning, we have to admit that there are real pressures going on in the world of work.  The […]

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