Tag: Tool 5

“Stuff Happens – So Don’t Count On No Stuff Happening!”

Posted on by Dave M · Leave a comment

Thought for today: Debtors in their denial are irrationally optimistic.  They are above worrying about money – that is for mere mortals.  We need a Spending Plan that includes a Savings Plan. DA Tool 5, Spending Plan: The spending plan puts our needs first and gives us clarity and balance in our spending. It includes […]

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Why We Put “Our Needs First”

Posted on by Dave M · Leave a comment
...we tried to carry this message to compulsive debtors, and to practice these principles in all our affairs.

Thought for today: Being in debt is a temporary situation, but some debtors think it is the end of the world.  They can’t buy food or electricity because they need to make payments to creditors. Why do we put creditors needs first?  Because we neglect reality.  We forget that we exist.  Only the object of […]

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