The Daily Reader for Compulsive Debtors and Spenders

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Getting Out from Going Under eBook (Small)The Daily Reader for Compulsive Debtors and Spenders is filled with practical tips, inspiration, and a thought for each day to encourage and motivate you to stay on the path of recovery.

Click here to purchase the book.
Read sample pages here.

And check out THE FIVE YEAR RECOVERY JOURNAL! A fun, simple way to track your recovery journey over time.

Scroll down to read the latest posts.

Recorded YNAB for DA Members Workshop (Accounts)

The workshop went very well and I’m so excited that the recording worked! Now, aside from my sounding like Daffy Duck, I’m hopeful taht this recording can help anyone, even a complete beginner. I really tried to keep it simple and resolve the issues that seem to be problematic for DA members.

Total time is 1:21 (one hour and 21 minutes). The great part is that you can stop and rewind as needed.
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REMINDER! YNAB for DA Members Workshop Tomorrow

I will be conducting a free conference call tomorrow (Sunday, 11/8/15) from 2:00 PM EST to 3:30 PM EST to walk you through the Register portion of using YNAB. This workshop is specifically geared toward the tasks DA members need.

No need to register; just call in! 2:00 PM EST to 3:30 PM EST
If you cannot make it, I will HOPEFULLY be able to record the call and will post it later, so you can follow along at your convenience.

Here is the call-in information:
Dial-in Number: (641) 715-3580
Access Code: 479117

International callers
Click here for a PDF with associated country numbers.

What you will need

* A working copy of YNAB on your computer.
* Pen and paper to take notes

You can either work in your existing YNAB spending plan or create a new plan along with me for the workshop. NOTE: YNAB calls it a “budget,” so I will use that terminology though we know ours is a spending plan! :)

Here is the Agenda:

  1. Walkthrough to create a new budget
  2. Where to save your YNAB Spending Plan
  3. Auto-download transactions or not?
  4. Setting up on and off budget accounts
  5. Entering transactions with and without a check number
  6. Transferring between accounts
  7. Dealing with cash
  8. Splitting transactions
  9. Scheduling recurring transactions
  10. Reconciling with your bank account (CRUCIAL!)

There will definitely be time for questions.

If people find this helpful, there will be a second workshop dealing with the spending plan side of YNAB for DA members.

Hope to “see” you there tomorrow!

YNAB for DA Members Free Workshop

Many DA members ask me to help them use YNAB. YNAB is short for “You Need a Budget,” and it’s been a fantastic resource for lots of DA members to track their spending (it’s a “virtual envelope system”). There is a cost associated with using this software and, of course, there are many ways to track our numbers. But since I get lots of calls asking for help, it occurred to me that going over some of the core concepts and functions in a group might be effective.


Oh, disclaimer: I get no money or any type of payment from YNAB. I have just used the software since 2009 and have found it invaluable in keeping me sober with money.
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I’m Back (Sort of)…

Well, that experiment (staying off technology) didn’t work very well, but I’m now working with a Physical Therapist (PT) who is expert in dizziness. During this time, I’ve been chomping at the bit to get back to the blog. I’m not really any better, but the new PT insists that staying off the computer is the worst thing I could do.


So I hope to have a real post shortly.

Stay tuned.

A (Hopefully) Brief Hiatus

For the next 30 days, at least, I’m going to be offline. If you have followed the blog, you know I have been disabled by dizziness/lightheadedness since 2010. Lately, it has really become unbearable and gets much worse on the computer.

In 2013, I had a consult with Dr. Smith, a UK doctor ( who believes that visual/mental processing (computer, reading, TV, writing, phone, etc.) needs to be drastically reduced (i.e., eliminated) to heal issues like mine. I wasn’t willing for two years, but now, I’m desperate because it has gone on for so long and is getting worse.

This is really going to be tough! But I’m so tired of being disabled by dizzines that I need to give this extreme treatment approach a real try. I’m figuring out the logistics, so will probably start Sunday or Monday. I’m keeping my fingers crossed that this is the path to finally finding some relief.

Dr. Smith says that this is just a temporary pause to allow the body to heal. So I’m hoping to be back in weeks, not months!

In the meantime, you’ll find hundreds of posts with information, inspiration, instructions, and guidance to help you work your DA program, the tools, and Steps. Click the Posts by Title tab in the Navigation menu, scan the sidebar for topics by category, or search for your topic.

And check out the Daily Reader for Compulsive Debtors and Spenders and Five Year Recovery Journal for daily inspiration you can carry with you.

In the meantime, my hopes for all of us are to stay committed to living within our means without incurring new unsecured debt one day at a time no matter what challenges we face!

New Debtors Anonymous 12 Step Booklet

Here is the information about the brand new booklet that took 15 years to come to fruition:

With deepest gratitude, Debtors Anonymous is pleased to announce the availability of our own conference-approved Step book: The Twelve Steps of the Debtors Anonymous

Available in a booklet format, this work is the result of 15 years of loving collaboration between members of our Fellowship and a Higher Power that guides us.

Each booklet sells for $7.00 a piece; 10 booklets for $60.00; or 20 booklets for $100.00. Literature Order forms can be found at the Debtors Anonymous website or by clicking here for a printable PDF form.

Please share at your meetings.

Click here for a sample page (PDF).