Still in Debtors Anonymous
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| Sun, 08-16-2009 - 1:45pm |
Well, as some of you know, I went through hell a year and a half ago when my life collapsed into bankruptcy. It was a horrible experience but I was really helped and suppported by the people on this board.
I joined Debtors Anonymous and it is now 13 months since I've borrowed any money at all - not even from mom! It is a really good program. It has helped me develop a spending plan which changes every month. I get to buy what I want by putting a category into my savings plan which will accumulate funds until I am able to buy it.
It has been a rocky road but this program gives me hope. I never want to give those credit card companies one more cent of my money. I got a secured credit card where I put the money on it and spend it when needed - which is almost never!
I can't hardly explain it. My whole attitude has changed towards how I spend money and how I feel about credit cards. I know Debtors Anonymous is not available in a lot of areas yet but there are phone meetings. You would just have to check out their website (.org NOT .com).
My problem was borrowing money to pay debts hence getting deeper and deeper into debt. Those payday loans still haunt me and I've had to block them from sending me advertisements. Yuck! They are the worst. I wish I had joined this program years ago! I still hope by some miracle that I may have another house one day but even if I don't, I know there are miracles for me ahead!

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A very interesting program and one I think a lot more people could use than are even aware of it.
Hey Marie, thank you for your candor. I did not think I would ever make it out of that mess either, I truly didn't. The bankruptcy, including losing my house, was one of the worst experiences I have ever had. I wanted to kill myself the day I had to sign the house over.
It is a behavioural addiction, much like gambling or other addictions that don't include chemicals. I learned not to beat myself up over it as I was in enough pain as it was but once in a while it still gets to me. Then I turn the channel in my mind:)
I am very "DA" and truly believe that it's the only program
Travi
Glad you found that book too!! Its one I had mentioned a long time ago.
Hi Travi! Hugs hello!
I am so happy to hear from you. You have always remained in my thoughts, thank you for letting us know how you are doing.
And oh my! How well you are doing indeed. Thank you for sharing your success story, it helps to know about what works for you so others can access it as needed.
Wishing you all the best for your future, may all your dreams come true!
Travi
Travi
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