Step 8, and the Willingness to Make Amends

Thought for today: When we talk about harms done as compulsive debtors, we should probably put ourselves at the top of the list of those affected.  Years of compulsive debting can leave us feeling ashamed, scared, and frustrated.  The debts we incurred may take time to sort out. Our creditors suffered, too.  They expected to be paid on […]

Continue reading →

How the Moral Inventory in Step 4 Is a Bridge to Prosperity

Thought for today: When we have worked through the process of finding a Higher Power of our understanding, we have made great progress.  With the help of this Power, we will find the strength to look inside ourselves. We will look closely at what motivates us, and be willing to work through any denial.  We become […]

Continue reading →

The 3 Surrenders Hidden In the 12 Steps

Thought for today: The Twelve Steps are really a process of letting of our addiction to debt, under earn and/or overspend.  That process involves three basic layers to this “surrender”: The first surrender is Step One, “We admitted we were powerless over debt—that our lives had become unmanageable.”  We need to let go of the idea that […]

Continue reading →

Steady Progress With Step 10

Thought for today: Having taken Steps 4 through 9, we have learned a lot about ourselves.  We have identified our main character defects, and sought to heal them. Periodically, we will benefit from checking our motives as we continue to work the DA program.  DA Step 10 combines Steps 4 through 9 into one digestible idea that we can take with […]

Continue reading →

Twelve Steps to a Spiritual Awakening

Thought for today: It’s not enough to want to get better with money.  The Twelve Step program of DA only works for people who do the program. They must admit that they are powerless over debt if they want to get better (Step One). They seek a personal relationship with the Higher Power of their understanding (Steps Two and Three). […]

Continue reading →

The Twelve Steps

Meditations about the Twelve Steps of Debtors Anonymous: Step One Step Two Step Three Step Four Step Five Step Six Step Seven Step Eight Step Nine Step Ten Step Eleven Step Twelve

Continue reading →

May 3, Admitting the Exact Nature of Our Wrongs (Step #5)

Thought for today: “Restless, irritable, and discontent” were normal feelings for many of us before DA.  What we did was lash out and blame everyone around us, including those closest to us. We argued with our spouse about money.  We blamed the kids for being kids.  Our employer wasn’t paying enough.  Luck had us down. […]

Continue reading →

May 1, The Truth About Compulsive Debtors (And the Need For Step One)

Thought for today: The most important truth for us compulsive debtors to accept about ourselves is that we have a disease.  Compulsive debting is as real as any other disease – progressive and debilitating.  Left untreated it can lead to physical and mental deprivation, depression and death.   Step One: We admitted we were powerless over […]

Continue reading →

April 28, What Are The “Step Three Promises”, And How Can I Get There?

Thought for today: We come to DA knowing full well that our debts are out of hand.  We admit we are powerless over debt in Step One.  In Step Two, we come to believe that a “power greater than ourselves (the DA fellowship, our DA group, the “Collective Consciousness”, our Higher Power) can restore us […]

Continue reading →

April 27: Financial Stress, and the Courage To Change Our Attitudes About Money (Using the Twelve Tools and Twelve Steps of Debtors Anonymous)

Thought for today: The stress of being a compulsive debtor is bound to take its toll.  Living close to the edge leaves our nerves shot.   After years of declining incomes, under earning and over spending, we can  feel worn down. We didn’t get this bad overnight, and we won’t get better overnight.  But change will […]

Continue reading →