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?”

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

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”?

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.

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

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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3 Ways Step 10 Can Rescue Shopaholics

Thought for today: REMINDER: No matter what the commercials may claim, buying a new car during the holidays does not equal love.  It’s transportation.  It’s style.  It might be sleek, fun to drive, great on gas or maybe even an electric car, but it is not love and it never will be love. Yet advertisers […]

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Why Anonymity Works

Thought for today: DA is better off when its members avoid publicly announcing their membership to the media. Members are better off, too, when they take part anonymously, instead of in the media spotlight. DA Tradition 12: Anonymity is the spiritual foundation of all our traditions, ever reminding us to place principles before personalities. A […]

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