I was checkin’ out this new site the other day, (Financially Smitten) and came across a link that really surprised AND excited me –> DebtorsAnonymous.org, HOW COOL is that? Call me naive, but I had nooooo idea something like this existed. Here’s a brief bio from their website:
“Debtors Anonymous is a fellowship of men and women who share their experience, strength and hope with each other that they may solve their common problem and help others to recover from compulsive debting.
The only requirement for membership is a desire to stop incurring unsecured debt…”
I love it! And it totally makes sense that this is around too. I mean, we’ve got it for drugs and alcohol (and sex, sex, sex!), why not something equally as disastrous to our finances? Or even entire lifestyle for that matter…I’m assuming that if you’re in deep need of attending Debtors Anonymous, your life is pretty much already taken over completely by it. Especially if it’s a really bad compulsion of yours (does that constitute as a disease?).
There’s actually a 15-question quiz too in order to see if you’re a compulsive debtor or not. If you answer “yes” to at least 8 of these, chances are you should seek help:
- 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 of 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’ll be out of debt overnight?
Just reading these gets me sad :( Don’t mean to be a Debbie Downer to start the week off here, I just think it’s so great this exists :) Who knows how many people actually *know* about it, or even believe it could help them (kinda like AA and the rest, eh?), but hopefully if enough of us spread the word it’ll reach those who can really be saved here… I’m thinking of two people right now!
Debt can really screw up a person’s life – even if we can’t really comprehend it fully. Owing crap tons of money can lead to illness, despair, ruin, prison, and even suicide. So if you know someone that needs help, or if YOU need help yourself, be sure to check out the site and start the recovery process! Then come back here and inspire us :) There’s no shame in living a happier life, baby.
//End J. Money’s PSA