Debtors Anonymous is here to help! That’s right! Just like Alcoholics Anonymous is for people with drinking problems, Debtors Anonymous is for people who cannot control their spending habits. DA is a nonprofit organization that provides support through group meetings to help people trying to break their debt accumulation and spending habits. DA is modeled after the 12 step AA program and works with people from all walks of life and socioeconomic backgrounds. DA has a simple questionnaire that will help determine if you have a problem managing your debt. If you answer yes to 8 of the following 15 questions then you might want to reassess your spending habits.
- Are your debts making your home life unhappy?
- Does the pressure of your debts distract you from your daily work?
- Are your debts affecting your reputation?
- Do your debts cause you to think less of yourself?
- Have you ever given false information in order to obtain credit?
- Have you ever made unrealistic promises to your creditors?
- Does the pressure of your debts make you careless when it comes to the welfare of your family?
- Do you ever fear that your employer, family, or friends will learn the extent of your total indebtedness?
- When faced with a difficult financial situation, does the prospect of borrowing give you an inordinate feeling of relief?
- Does the pressure of your debts cause you to have difficulty sleeping?
- Has the pressure of your debts ever caused you to consider getting drunk?
- Have you ever borrowed money without giving adequate consideration to the rate of interest you are required to pay?
- Do you usually expect a negative response when you are subject to a credit investigation?
- Have you ever developed a strict regimen for paying off your debts, only to break it under pressure?
- Do you justify your debts by telling yourself that you are superior to the “other” people, and when you get your “break,” you will be out of debt?
For a DA group near you click Debtors Anonymous or call 800-421-2383 or at 781-453-2743
Remember there is nothing wrong with admitting you have a problem and that you are seeking help.
“The definition of insanity is,doing the same thing over and over again and expecting different results!”