Self Help When Youre In Debt

It's no fun being in debt.

Money shortages are always stressful and serious debt can emotionally drain you.

And yet, while you'll find lots of advice about the practical aspects of debt management, there is precious little help available for the psychological side of things.

Negative feelings like fear and anxiety need to be dealt with before they start to overwhelm you. So here are some self-help tips on how to deal with this challenging period in your life:

-- Count Your Blessings

It's only money.

Now that's probably the last thing you want to hear right now, but it's true. If your only problem in life is lack of money then count yourself lucky.

Losing your money isn't like losing a loved one, or being diagnosed with a terminal illness,

Money problems can be solved.

-- Accept Responsibility

Your own spending behavior is at least partly responsible for creating the problem.

So stop blaming the credit card companies for 'pushing' the debt drug onto you, the poor helpless victim.

You're responsible.

And that simple act of accepting responsibility will empower you and propel you towards right action.

-- Stop Spending

When you're digging yourself into a hole, the first thing to do is... stop digging.

Obvious?

Perhaps. But when someone realizes the sheer horror of serious debt, it's almost a natural defense mechanism to go into denial mode.

And one common method of denial is to continue spending and borrowing more money.

Just stop.

Rip up the credit cards. (Don't worry, you'll survive fine without them.)

And remember that you need exactly four things in this life: food, water, (basic) clothing, and shelter. Consider everything else a luxury.

-- You Are Not Your Money

Sadly nowadays, money buys status. It's easy to believe that your value as a person depends on the value of your bank balance.

Nonsense! You are a unique individual with many special qualities. There will never be anyone quite like you ever again. You're wonderful! You're terrific! And your character and personality are not a product of money.

Plus.. does it really matter what other people think of you? Well that depends on what you mean by 'people'...

Quite often they are "acquaintances"... or anonymous strangers you pass in the street who may admire your latest designer suit... or shop assistants happy to sell you another expensive item of jewelry.

Are these people really important to you? Of course not.

Focus on the folks close to you who really matter. True friends and family don't judge you by your wealth.

-- Grab The Opportunity

Life's problems are nothing more than tremendous opportunities for personal self-growth.

Ask yourself what you are learning from being in debt. Is it a humbling experience? In which case, is it really such a bad thing to discover what it means to be human?

Perhaps you are learning compassion for other humans, and beginning to see the beauty in other, 'ordinary' people.

And if you've lost your job - a common cause of debt problems - then look on it as an opportunity for a new start in life. What would you love to do - instead of just making money?

As you may have realized, being in debt is not all bad news.

Viewed as opportunity for self-growth, it can be the turning point on the road to true 'riches'.

About The Author

Paul Davis writes for Debt Elimination 4U, showing ordinary people how to get out of debt and stay out! Visit the site at: http://debt-elimination-4u.com

---

A Reason For Living in a Nutshell

In brief, my book A REASON FOR LIVING is the... Read More

Reach Your Dreams

About fifteen years ago I was rummaging through some old... Read More

Starting A New Disaster Relief Program

I believe that it is an amazing time in our... Read More

Getting Unstuck

According to the Buddhists, between January 29 and February 12... Read More

Let Change Be Your Friend, Mentor, and Inspiration

People have a tendency of anticipating pending change on the... Read More

The True and Magnificent Power of Giving

You've probably heard of the popular saying "It's better to... Read More

Escape From the Dungeon: Jennifers Survival Story

Have you ever been encountered with a trauma in life... Read More

One Woman, One Leg, No Job

What is social acceptance? Why is it so important? What... Read More

In the Eyes of a Child

It was way past 10:00 pm when I came home... Read More

How To Walk On The Path Of Peace (Part 1)

As there are silent depths in the ocean, which the... Read More

Keeping Your Attitude Up When Circumstances Are Down

Everyone knows that a positive attitude is key to the... Read More

Do You Suffer From The Chef Personality?

As a chef I have a unique perspective on anger.In... Read More

Best Friends

Do you ever need to have your batteries "re-charged", or... Read More

War, Disasters and All is Well

It is not very often that I have an issue... Read More

The Right Approach

Direct Answers - Column for the week of June 9,... Read More

The Emmaus Journal ~ Quietness

The Emmaus Journal QuietnessAs a state of being, quietness is... Read More

Israel Is My Son

"And thou shalt say unto Pharoah, Thus saith the Lord,... Read More

Stand Up!

One of the most undervalued blessings is God's will to... Read More

Lifestyle Changes ? A Conscious Choice!

Are you ready for a change? Is it time for... Read More

Keep on Keeping on!

Whenever we are working on our dreams we are going... Read More

Overcoming Addiction

Dear Candace,I am having trouble letting go of an over... Read More

Healing from Within

"We are responsible for everything in our lives, including how... Read More

Body Acceptance: The Secret to Weight Loss Success

Can we love our bodies? As the years go by,... Read More

Dream Lover

Direct Answers - Column for the week of September 1,... Read More

A Resurrection Story

My mother often wound up in the hospital during the... Read More

Pay It Forward

My friend Hugh Jeffries died. He was a wealthy man.... Read More

Life is About Choosing

Back to our youth days, we were taught that by... Read More

Aim High

Change is difficult for many people. Often times our whole... Read More

What If?

What If? What if I can't? What If I... Read More

Encouragement--Heart At Work

Encouragement can have a very powerful effect on bosses and... Read More

Being Fruitful

Over the years I've learned to challenge my audiences to... Read More

Mirror, Mirror -- What Do I See?

"A loving person lives in a loving world. A hostile... Read More

TIES that BIND

I have no idea how it started or who launched... Read More