The One Change That Makes All The Difference (With Step 3)

Made a decision to turn our will and our lives over to the care of God

Thought for today: By the time we’ve come to Step 3, we have started to feel an awareness of a Power greater than us that we can tap into.  We find ourselves drawn to this Power for guidance and inspiration. DA Step 3 3. Made a decision to turn our will and our lives over to […]

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The Step 2 Decision, And Why We Need to Make It


Thought for today: Step 2 is like birthing a baby in one respect:  No one can do it for you.  People can give us advice about how they did it.  They can cheer us on.  (Sometimes that can be irritating, actually. Sometimes  we don’t want to hear it, and we may wish that this Higher Power business could be […]

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The First Step to Getting Through the Holidays Without Debting

"I experienced timelessness on this vacation. Now that I am back, I feel more clear and energized than ever."

Thought for today: The holiday season is a challenging time for compulsive debtors.  We find ourselves inundated with commercials to spend.  All our friends are spending.  We feel compelled to overspend. It’s a time tout down the credit cards if we are using them.  It’s time to remember the Twelve Steps, starting with the First […]

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“Am I Minding My Own Business?”

Work Life Balance

Thought for today: If we watch the news, we will see things that bring us down.  If we watch commercials on TV, we may start to feel deprived of the “goodies” they offer – for a price. Our time is our own.  There is no moral code requiring us to watch news or commercials 24×7. […]

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How Positive Self-Talk Leads to Positive Outcomes

Affirmations reach upward

Thought for today: Our self-talk can affect real change in our lives.   They can enable wealth to start flowing in.  They can also cause unexpected effects we need to consider. One thing to be careful of is to pick affirmations that keep us in a mode of positive attainment.  Case in point: some affirmations seem to imply that […]

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6 Slogans To Get You Through Anything


Thought for today: Sometimes life’s challenges feel overwhelming, and we need a shortcut way to refocus on the principles of DA.  That’s where slogans come in. To our knowledge, DA hasn’t adopted any slogans officially, but DA has approved AA literature, and much of AA literature uses the AA slogans, so we can start there. A […]

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How Important Is a “Good Credit Score”?

Letting Go

Thought for today: What good is a credit score?  It depends on what our needs are.  Sometimes it’s important, and other times not so much. A member shares: “When I came to DA, my credit score was tanking and it terrified me.  I had so many late and inconsistent payments that I was spending more on late fees and interest […]

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How to Get From Negative Net-Worth to Positive Self-Worth in D.A.

How to Get Out of Debt, Stay Out of Debt, and Live Prosperously

Thought for today: Our creditors are just doing their jobs when they call us for money.  Whether we feel they are rude or nice to us, it is really just business to them.  They want to make their numbers for the month. In preparing to talk with creditors, we need to work our program of recovery one day […]

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Scrooge’s Step 7 Lesson


Thought for today: The folklore of the “evil creditor” runs deep in our culture.  The hero must rescue the damsel in distress from the clutches of the evil villain who is threatening to foreclose on her mother’s mortgage if she doesn’t marry him… No wonder that compulsive debtors who are actively debting are prone to panic.  Creditors […]

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Step Seven: Humility and Asking

Simple is beautiful

Thought for today: Material satisfaction is not the purpose of living, but many of us deceived ourselves into thinking that way.  Coming from deprivation, we confused the ends with the means, and thought that wealth and power were ends in themselves. The truth is, wealth and power are only valuable inasmuch as we put them to good use. A member […]

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