“I Am A Debt Addict!”

Our common welfare depends on DA unity

Thought for today:

Debtors Anonymous (DA) helps people who suffer from problems with credit card debt.

A personal share:

“I am a whore for debt.  At any moment I will give it all away!

“I’m here now in the DA program to get better, stay better, and to keep the memory of my debting green. Because I don’t want to go back to the life I was living.

“I could never admit my life was unmanageable.  For years  I tried controlled debting.

“First, I tried to always pay the full balance on my credit cards each month, never carrying a balance forward. Yeah, right – that lasted about three months, until my overspending caught up with me.

“So I tried ‘borrowing forward’ – taking out cash advances on one card to pay my other card’s bills. Each month the advances got larger and larger, until I maxed out my advances with interest rates into the high twenties – let alone the penalties!

“Then I got the bright idea of not opening my mail or answering the phone. Doing that felt like it was working for a while because I was oblivious.

“But then my paycheck started to get garnished for repayment of back student loan debt, and of course that meant that my employer was on to me.  That was embarrassing enough, but then I missed a summons in the mail that required me to appear in court to answer charges about my charges!  Yikes!  I was in hot water!

“All this time I never once tracked or even looked at my spending vs. my income – nor did I want to.  I avoided the truth at all costs. Who cares about bank balances, when you know it’s always in the red?

“Over a short period I racked up thousands in bounced check fees alone. I was too ashamed to tell anyone about it, or ask for help from anyone.  Oh, I made one exception; I regularly groveled before the banks, who always made me feel like a spoiled child.

“Yes, I gave it all away alright – more than I earned in a year went to unsecured debt servicing – and after I had given away everything else, I gave away my pride, and I helped myself get to DA.

“DA helps me stay solvent by guiding me through the Twelve Steps and Twelve Tools

Ask:

Do I know in my heart of hearts that I never have to go back to that feeling of panic again, as long as I work the Tools of DA?

Meditation for today:

Humiliation is not a requirement for humility. If we are honest with ourselves, we know that we are not alone, that we need others, and that we are stronger because we are not alone.

Affirmation for today:

“Just for this day, I will be grateful for the abundance in my life.  I will recognize that there is enough money, enough time, and enough love.” (From Debtors Anonymous’ “Just For This Day” Bookmark, P-129.)

Recommended Further Reading:

How to Get Out of Debt, Stay Out of Debt, and Live Prosperously*: Based on the Proven Principles and Techniques of Debtors Anonymous.

Jerrold Mundis’ book can help anyone deal with and overcome the downward spiral of unsecured credit. We can reverse patterns of under earning and overspending, no matter how entrenched those patterns are.  Read the incredibly honest details about his book by clicking here.

 

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