How a Debt Moratorium Works

Our common welfare depends on DA unity

Thought for today: Some of us had credit card accounts that were out of control.  We would be charged late fees and had many overage charges.  We were so inundated with creditor calls that we needed to ask for a one-month moratorium from debt payments. A member shares: “I couldn’t even talk about my situation with fellow members in the program without breaking […]

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An Attitude of Gratitude

Thought for today: An attitude of gratitude can inspire us when life’s challenges hit hardest.  Gratitude helps when all else fails. Getting grateful takes time.  First we stop debting.  Then we start acting in our own best interest. We track our numbers using an income and spending template.  We learn how to manage our money in a Pressure […]

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Freedom From the Pressure of Debt

We express gratitude when we appreciate the beauty around us.

Thought for today: When debt accumulates, it is a growing distraction.  All areas of life suffer – home, sleep, and especially work. Our daily work requires focus.  We must commit ourselves to it.  But unsecured debt has a way of requiring our undivided attention… DA Question 2: Does the pressure of your debts distract you from your […]

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Processing the Results of My First Pressure Relief Meeting

Thought for today: After our Pressure Relief Meeting is over, and we have a new Spending Plan and an Action Plan for dealing with our debts and our life,  we will be on course to grow in solvency.  Our Pressure Relief Group has given us honest feedback about our current situation and we are now becoming […]

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Do-It-Yourself Debt Repayment Planning

Thought for today: Debt consolidation companies have been known to charge up to an extra 60% of a person’s total debt, on top of an interest rate sometimes 7 percentage points or more above prime.  How are they able to charge such exorbitant fees? Fear of talking with creditors is the main reason these businesses […]

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How to Get Rich

Thought for today: Getting rich the program way is not about luck, or leveraging debt.  It is about setting up circumstances where wealth is more likely, where your needs are taken care of first. We all know that riches aren’t measured purely in money.  That’s fantasy.  And circumstances like illness or caring for others can […]

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6 Things To Say When A Creditor Calls

Thought for today: When a creditor calls us out of the blue demanding payment for a bill we didn’t expect, it can trigger  a lot of fear.  We who work the program of recovery find that a quick reaction to repay is not necessary, and is often harmful to our future abundance.   After all, the […]

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