How To Nurture Our Financial Visions

The world around us is full of wonder if we stop to see it.

Thought for today:

We hear stories of people getting a windfall, or winning the lottery,  yet within a short time finding themselves in worse debt and isolation than ever. How could this happen?

Achieving our visions – whether to be debt free, own a home, buy a car, or whatever else we personally aspire to do – usually involve some measure of humility, wisdom and mindfulness about money.   So we have to be willing to grow along spiritual lines if we want solvency and prosperity as a way of life.

A member shares:

“I once won an affordable housing lottery – meaning that as  first time home buyer I was able to buy a house at a greatly reduced rate.  I never expected to win it.  We were quite happy in our apartment, but with a child on the way it seemed foolish to ‘look this gift horse in the mouth’, so we went through the process.

“We basically had to agree to be homesteaders – living in the house for ten years.  During that time, I went into unsecured debt as well, and joined DA.  When we finally sold that house after ten years, we had enough money to pay off all our debts and then some.  I thought I was on my way – and said goodbye to DA.

“This disease of compulsive debting and underearning is insidious – it waited patiently for me.  On top of a mortgage in a new place, I took out a home equity loan, which was fine because it was a secured loan and I wanted to build an accessory apartment in it. But the bank threw in credit cards as well.  That was my downfall.  I sold that house and walked away with more debt than ever.  Then I can back to DA, and started applying the program in full rigor.”

Being careful what we pray for:

Prayer is fundamental to many people’s financial recovery, but when it comes to quick riches we should be careful what we pray for!  With each vision we voice, a new process unfolds, and we will need to adapt to some change, lest we be swallowed up in waves of change…

Our visions have real power to transform our lives when we nurture them.  We need to wield that power humbly, not greedily.   We don’t want to grow so fast that we can no longer keep track of our numbers. “Quick fixes” are usually not the answer – but the right visions are, when we carry them wisely!


“What do I really want to make of my life?  Am I willing to adapt to the new challenges that will come with my vision?”

Meditation for today:

When we write our dreams and visions on paper, they multiply.  And when we create treasure maps, they link our dreams to our future reality.

Affirmation for today:

“Prosperity is all around me, and today I will invite it in to stay.”

Recommended reading:

Ever feel like everyone else in the world must have been given “The Rule Book” except you when it came to your work life and increasing your income? The following books by Jerrold Mundis help under-earners overcome blocks to true fulfillment in career and life:

Earn What You Deserve: How to Stop Underearning & Start Thriving by Jerrold Mundis.

Making Peace with Money by Jerrold Mundis.

How to Have More Money by Jerrold Mundis.

About Mint:

Mint is a free application written by Intuit (the makers of Quicken). You can register using this link: You can also download the app on the Apple app store, or using the Amazon app store here: Personal Finance.

How to Use (this is a Kindle book)

Recommended reading for de-cluttering:

Spark Joy: An Illustrated Master Class on the Art of Organizing and Tidying Up (a guide to finding joy in our surroundings)

A new Twelve Step fellowship specifically for underearners: FinancialUA

Financial Underearners Anonymous is a new fellowship we heard started in Baltimore, MD.   We learned about them during a workshop at the ShareADay event in NYC earlier this month.  We wish them great fellowship!

Helpful links on

See our Fourth Step Template which helps us to take a fearless moral inventory.

Some members, with the help of their Pressure Relief Group, take a moratorium from debt payments in order to get their spending under control. See this Debt Moratorium sample letter to creditors for one example.

If you are new to this blog, check out our overview of the program of recovery from compulsive debting. If you like this post, please click one of the like/share buttons on the site. If you would like to receive daily “Thoughts for today”, enter your email and a username in the subscription form at the top of this page.   Some links on this page bring you to other sites. Clicking a book title or image brings you to information about purchasing it. If you buy something it will help support this blog with a small commission – which does not add to your cost! does not give specific financial advice and makes no guarantees about the books or concepts it recommends.

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