Humility As a Spiritual Tool

Thought for today: Moving through the Twelve Steps, we find that self-centeredness often run and ruin lives.  But we can escape the cycles of selfishness.   Humility is a gift that comes from the awareness of our selfish motives, and it can  guide us. A member shares: “I was humiliated by my debt.  Family ridiculed me.  I dared not […]

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Where Do You Fit In?

Thought for today: If everyone sincerely tried to live according to the 12 Steps of recovery, the world would be a better place. The 12 Traditions could bring harmony.  The 12 Concepts of World Service could inspire a harmonious planed. The world would be a very different place if we lived according to the principles of recovery, unity and service. […]

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Tradition Seven: Self Supporting

Thought for today: Twelve Step groups are totally self-supporting.  No outside donations accepted.  What other organization does this?  (That’s a rhetorical question, of course, because there is none.) This policy flies in the face of the recovering debtor’s subconscious hope that ‘someone will take care of us before we get into real trouble’. A member shares: “D.A. declines […]

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What’s Your Plan For the 2nd Half of the Year?

Thought for today: While the program of recovery from compulsive debting tells us to take life one day at a time, it is also good to periodically plan for the longer term.  It’s simpler to know how to spend our days if we know what we want to achieve.  Creating goals is important. A member shares: “Now that I have taken a mid-year […]

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How Did You Do In the First Half of the Year?

Thought for today: Now that the first half of the year has come to a close, why not stop and contemplate how we’re doing with money, and adjust our Action Plans to better suit our goals? Just as a sail boat veers off course and the sailor adjusts the sails, so our money-course needs adjusting.  Everyone needs course-correction to get […]

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Where Do You Stand With Debt?

Thought for today: When we can admit we have defects of character and we are not perfect, it is the beginning of wisdom.  We no longer exist in the center of the universe, and the burden of playing God is simpler to discard. We develop a sense of understanding about what motivated us to act selfishly.  The subtle influence of advertisements is plain to see. […]

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Courage to Change

Thought for today: A fearless personal inventory takes courage.  During it we often discover that the motive for our actions is fear of losing something: We fear not getting enough money, sex, love, admiration of friends, society’s praises, achievement, and so on. Fear leads to character defects of pride, anger, lust, envy, laziness, greed and gluttony. We are […]

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Disease And Recovery

Thought for today: If we are to live a life of abundance, we need emotional maturity.  But self-centered pride and fear can keep you in the dark. We need to look at our relationships.  We need to honestly look at our reactions to life, and to admit the times when we were wrong. Life is simpler when we have the courage to […]

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An End to Isolation

Thought for today: Debting is a lonely place.  Pride and fear kept us isolated from others.  Overworking at multiple jobs to pay our creditors and make ends meet, the ends never did meet, and we sulk.  We feel we never make enough money and we resent those who seem to have enough. When we spent with credit cards on clothes, accessories, spa […]

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How Not To Debt

Thought for today: Let’s continue our study of how the Steps and Tools of Debtors Anonymous can work together to improve a debtor’s life. It is said that if a truly compulsive debtor doesn’t take a personal inventory of their character defects, they will eventually debt again.  And for debtors, this is a disastrous proposition. […]

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