Monthly Archives: May, 2016

12 Promises of Debtors Anonymous

The 12 Promises of Debtors Anonymous

In the program of Debtors Anonymous, we come together to share our journey in recovering from compulsive debting. There is hope. In working D.A.’s Twelve Steps, we develop new ways of living. When we work D.A.’s Twelve Steps and use D.A.’s Tools, we begin to receive these gifts of the program:

1. Where once we felt despair, we will experience a newfound hope.

2. Clarity will replace vagueness. Confidence and intuition will replace confusion and chaos. We will live engaged lives, make decisions that best meet our needs, and become the people we were meant to be.

3. We will live within our means, yet our means will not define us.

4. We will begin to live a prosperous life, unencumbered by fear, worry, resentment, or debt.

5. We will realize that we are enough; we will value ourselves and our contributions.

6. Isolation will give way to fellowship; faith will replace fear.

7. We will recognize that there is enough; our resources will be generous and we will share them with others and with DA.

8. We will cease to compare ourselves to others; jealousy and envy will fade.

9. Acceptance and gratitude will replace regret, self-pity, and longing.

10. We will no longer fear the truth; we will move from hiding in denial to living in reality.

11. Honesty will guide our actions toward a rich life filled with meaning and purpose.

12. We will recognize a Power greater than ourselves as the source of our abundance.

We will ask for help and guidance and have faith that they will come. All this and more is possible. When we work this program with integrity and to the best of our ability, one day at a time, a life of prosperity and serenity will be ours.

Signs of Compulsive Debting

From Debtors Anonymous

Signs of Compulsive Debting

If you think you might have a problem with money and debt, look over these Twelve Signposts on the Road to Compulsive Debting, If you can recognize yourself in 8 or more of the descriptions below, you may be a compulsive debtor, and DA can help you.

1) Being unclear about your financial situation. Not knowing account balances, monthly expenses, loan interest rates, fees, fines, or contractual obligations.

2) Constantly “borrowing” items such as books, pens, or small amounts of money from friends and others, and failing to return them.

3) Poor saving habits. Not planning for taxes, retirement or other non-recurring but predictable items, and then feeling surprised when they come due; a “live for today, don’t worry about tomorrow” attitude.”

4) Compulsive shopping: Being unable to pass up a “good deal”; making impulsive purchases; leaving price tags on clothes so they can be returned; not using items you’ve purchased.

5) Difficulty in meeting basic financial or personal obligations, and/or an inordinate sense of accomplishment when such obligations are met.

6) A different feeling when buying things on credit than when paying cash, a feeling of being in the club, of being accepted, of being grown up.

7) Living in chaos and drama around money: Using one credit card to pay another; bouncing checks; always having a financial crises to contend with.

8) A tendency to live on the edge: Living paycheck to paycheck; taking risks with health and car insurance coverage; writing checks hoping money will appear to cover them.

9) Unwarranted inhibition and embarrassment in what should be a normal discussion of money.

10) Overworking or under earning: Working extra hours to earn money to pay creditors; using time inefficiently; taking jobs below your skill and education level.

11. An unwillingness to care for and value yourself: Living in self-imposed deprivation; denying your basic needs in order to pay your creditors.

12. A feeling or hope that someone will take care of you if necessary, so that you won’t really get into serious financial trouble, that there will always be someone you can turn to.

Debtors Anonymous To Meet At Alano

Last fall the Board approved an agreement for Debtors Anonymous to meet at Alano.  We were contacted yesterday and that group now has their sanction from the WSO of Debtors Anonymous.  They will begin meeting at Alano this Saturday at 5:30 PM in what is called the Al-Anon Room.  Their rent will be the minimum start-up charged by Alano – $25.00 per month – beginning in June.

NEW GROUP AT ALANO:

DEBTORS ANONYMOUS

5:30 PM Saturdays

Location:

401 S. 11th

St. Joseph, Missouri

Alano Club of St. Joseph

(meeting in the Al-Anon Room)