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Debtor's Anonymous Meetings

January 17th, 2011 at 06:09 am

I am on Day 14 of my financial sanity. I am so happy I have been staying on my spending plan and will pay off the $3,600 left remaining my one of my husband's car loans today.

About four days ago I started attended Debtor's Anonymous (DA) meetings over the telephone as there are no DA meetings in my area. DA is a wonderful program for people who have a compulsive overspending or charge card use problem. Fortunately, I don't really have a debt problem, but a couple of times a year I way go overboard on my spending...WAY overboard.

Although some people have garden variety problems following a budget, my problem is a little more serious than that...I have an addiction to overspending. I know my financial situation is fairly blessed, but that doesn't negate the seriousness of my addiction. It's something I will have to watch every day for the rest of my life to keep it under control.

I was reminded of that yesterday during a telephone DA meeting. A woman called in and said she had a problem with shopping on one of the TV shopping networks. Although it had gotten so bad the bank was about to foreclose on her house, she couldn't decide whether to block those TV shopping channels! It sounded so CRAZY to me that her shopping addiction had nearly ruined her life and she still wasn't ready to quit!!

I say that not to judge her, but to remind myself that if you have the problem, overspending is a progressive addiction that always gets worse, never better, UNLESS YOU DO WHAT IT TAKES TO STOP.

For me, it is the tools of the DA program. In a nutshell, they are:

1) Cut up your credit cards
2) Write down all income and EVERY purchase today
2) Don't debt today

With God's help, just for today I will write down my "numbers" and not debt. It's really that simple. If you think you may have a similar problem visit www.debtorsanonymous.org.

Just for today, I hope you and God make it a great one!!

7 Responses to “Debtor's Anonymous Meetings”

  1. Ima saver Says:

    I am glad you found one to join! I have a friend who is addicted to QVC. The UPS truck comes to her house every day.

  2. creditcardfree Says:

    I think it is fabulous that you are aware of the problem and are doing something about it. I hope today is a good day for you!

  3. Savings Queen Says:

    Thanks so much Julie and CCfree! That woman's story was so frightening to me because before Christmas in my Ebay jewelry buying frenzy I was experiencing it as a TRUE COMPULSION which was terrifying. I too was having packages delivered to my house EVERY day!!! At the end, seeing those packages no longer filled me with joy, they frightened me because I knew I was out of control. For me, the DA program, writing down my expenses and even reading all the blogs here are helping me return to sanity. Just for today and God willing I will stay here.

  4. North Georgia Gal Says:

    Congratulations on taking the steps you need to take. It is very simple to deny you have a problem before it gets to the breaking point.

  5. SavingsQueen Says:

    Thanks NGG! I appreciate the vote of confidence!

  6. wowitsawonderfullife Says:

    Congrats on moving forward. This forum will help you. Can you return any of the stuff you bought? It will help pay down your bills.

  7. Savings Queen Says:

    Dear Wow, I have already resold some of it on Ebay. Good advice!

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