What You will Find on This Site

Blog Posts about Recovery from Compulsive Spending and Debting

This website contains HUNDREDS of articles to help you work a program of recovery around compulsive spending and debting. Topics range from setting up a spending plan to working the steps to dealing with relationships in recovery … and much more! Pick a category from the Sidebar, type a topic in the “Search the Site” box, or just scroll down to read the most recent posts. The articles on this website were written by Susan B., a recovering compulsive spender and debtor. You can read about her recovery journey here.


“I Can’t Stop Spending!” Podcast

You can also hear Susan B.’s weekly podcast about recovery from compulsive spending, shopping, and debting, called “I Can’t Stop Spending!”

The podcast is located at www.ICantStopSpending.com.


Recovery Books

The Getting Out from Going Under Daily Reader for Compulsive Debtors and Spenders

Pageflex Persona [document: PRS0000038_00070]

The Five Year Recovery Journal


Blog Posts Start below

Pay it Fast or Pay it Slow?

Want to hear the podcast for this post?
Click here to listen on our podcast site “I Cant Stop Spending!”

arealcompulsivespenderaI’ve often said that for a true compulsive spender, living in deprivation is a sure way to set off the compulsion. Now, that is not the same as living within one’s means, which may include not buying everything we want the moment we want it.

However, I stand by my belief and that of those in 12 step recovery from compulsive spending, that we do not put our creditors first. We do not live in abject deprivation in order to pay off our debts quicker.

Now, I know Dave Ramsey is one of the top gurus of personal finance and responsibility. I get it. However, as I’ve told you before, his philosophy is all well and good for everyone … except compulsive spenders.

The Experts Don’t Understand Us
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Long Term Abstinence

I just happened on an amazing article from the third quarter 2013 issue of the Debtors Anonymous “Ways and Means” newsletter, entitled, “An Anniversary Question: What is Long Term Solvency?” It really gives a wonderful description of this state of being. Do you know there are now people with 30 or more years of solvency in DA! Imagine that!

The author of the article really made me want to read the updated and revised edition of “Currency of Hope” (rather than just keep it on my bookshelf). It contains stories from those long sober (20 or more years).
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Debt-Free at Last!

I am grateful to report that I finally paid off the last of my debt a couple of weeks ago! This is truly a miracle. In the late 1990’s, I first came into DA with $22,000 in debt. I paid that off and found all kinds of reasons to justify leaving the program by 2001.

Fast forward to 2009. I crawled back into DA a broken person after accumulating approximately $34,000 of new unsecured debt and trying to figure out how on earth I would send my son off to college. DA HOW healed me, and one day at a time, I lived within my means and committed what I would spend before spending it. I had PRGs around my debt, paying for my son’s college, and any other financial issues that came up.
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Do You Have to be a Debtor to be in DA? Plus a great site for shopaholics!

A few months ago, I came across Debbie Roes’ extensive site for shopaholics called Recovering Shopaholic. While her site is not 12-step focused, she has wonderful, practical tips and suggestions for shopaholics. And recently, I wrote an article for her blog called Debtors Anonymous is Not Just for Debtors.
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Web-Based YNAB: My (Long) In-Depth QA Review

If you are a follower of this blog, you know that I am absolutely in love with YNAB software for managing my spending plan. YNAB stands for “You Need a Budget.” It has been a magical solution for many of us working a recovery program as it is an easy to use, virtual envelope system.

Their newest offering appeared just a few days ago. It is a web-based, subscription version that is intended to replace YNAB 4, which lives on your computer and can be saved in DropBox so you can work on it across all your devices through their Android and Apple apps.
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