What You Will Find on This Site

This website contains HUNDREDS of articles to help you work a 12-Step program of recovery around compulsive spending and debting. Topics range from setting up a spending plan to working the steps to sponsor/sponsee issues to dealing with relationships in recovery … and much more!

For a broader look at compulsive spending, visit I Can’t Stop Spending, where you’ll find our new blog, podcast series, PLUS spending plan training resources.

Pick a category from the Sidebar, go to the list of posts by title, type a topic in the “Search the Site” box, or just scroll down to start reading 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.

Please note that the “Getting Out from Going Under” blog is not an official Debtors Anonymous publication nor is it endorsed by Debtors Anonymous. It is the work of one person who is recovering from compulsive debting and spending and all content is strictly her opinion.


Recovery Books

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

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The Five Year Recovery Journal


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My 2018 Valentine’s Day Rant

It’s Valentine’s Day, so it’s time for my annual Valentine’s Day rant. I’m rerunning last year’s post, but just want to add a couple of thoughts. I despise this marketing manipulation day for so many reasons, but really hope to convince you, at the least, not to fall for the hype and spend money you may not be able to afford as the Valentine Svengali’s are hoping to persuade you to do.

If you MUST “celebrate,” consider sending a free e-card in lieu of enriching Hallmark or American Greetings, who are part of this $18 billion dollar industry, using a sub-text of guilt to draw you into their web of unnecessary spending.

One of my favorite words is “sheeple.” According to the Merriam-Webster dictionary, it means docile, compliant, or easily influenced : people likened to sheep.

I don’t know if it’s “sheeple” complex driving this industry. Or guilt. Or an easy way to use money to show love. But you don’t need a specific day to remember to show those you love how much you care about them.

If you must engage in this nonsense because it matters to that most important person in your life, there are a million ways to express your love without giving in to the pressure to buy candy, jewelry, flowers, or cards … ways that will be far more meaningful and remembered more fondly. Here are a few examples:
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Now Get Three Months to Try YNAB FREE!

I recently discovered that there were some people who were able to offer their readers three months free to try YNAB before having to pay for it. I was really upset because I was only able to offer the standard 34 days. I had no idea that this even existed!

So I wrote them and they approved my doing this too! I was really excited because you will have the two extra months to accumulate for the first year’s subscription. Then, you can just accumulate each month for subsequent years.

Plus, you can really give YNAB a good, long try to see if it’s the right approach for you. You know I love it, but you need the opportunity to fall in love with it too. 🙂

I feel badly because I asked if previous subscribers could now get the extra two months through my link but they said they didn’t have a way to do that. I’m sorry. I did try.

Click here to sign up for the three months FREE YNAB.

The Birth of Fearless Budgeting

Listen to this blog post: “I Can’t Stop Spending!” podcast, Episode 053.

I’ve decided to create a series of spending plan training podcasts because it feels like that is the most important information I can offer you right now. If you want help creating or maintaining a spending plan, this podcast series is for you. Even if you already have a spending plan, the training will be a helpful refresher and will likely provide you a with new perspectives and tips. It’s the exact same process I’ve successfully used with my one-on-one students for seven years. And there’s no charge for this podcast series.

The Birth of Fearless Budgeting

I decided to call my training podcast “Fearless Budgeting.” I wrestled with this name for months. As you may know, I despise the word budget, but I strongly believe in the act of allocating money to categories, which is the definition of budgeting. I’ll go into more detail about spending plans vs. budgets in a later episode. But “Fearless Budgeting” truly encapsulates my overriding approach … to gently take you by the hand and help you overcome your terror around facing the truth of your spending, which is a crucial first step in the process, and to ease you into a practice that will keep you clear around your money and engaged with your spending plan ongoing.

By the end of the series, you will have a spending plan foundation and you will know how to work with your spending plan ongoing. And, you can always arrange a one-on-one session with me if you need additional help. Just go to FearlessBudgeting.com/training for details.
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New YNAB Training Video Available – Tracking Cash Spending in YNAB

I just created a new training video to help YNAB users. This is part two about tracking cash in YNAB.

(Sign up here to get 34 days free to test YNAB.)

In this video, I go over how to track spending cash in YNAB as well as how to reconcile the cash account. In part one, I go into depth about receiving cash. In both videos, I demonstrate how to do split transactions as well.

New Blog Post about My Bankruptcy Experience

My blog is now located on the “I Can’t Stop Spending!” website, where I also have a podcast.

You can sign up to get each new blog post by email (the sign-up form is located on the sidebar of the
I Can’t Stop Spending!” site).

Click here to read the post, “Bankruptcy: Panacea or Placebo?,” or listen to the podcast episode.

Ongoing, I’ll also be posting an inspirational reading from my book, “Getting Out from Going Under Daily Reader for Compulsive Debtors and Spenders.” In this post, it is September 24th: “Time.”

First Spending Plan Training Video Available: Tracking Cash in YNAB

I finally finished my first video to help people with their spending plan! This first video walks you through tracking cash in YNAB. It’s an area that many people find confusing, so I wanted to make a video walking you through the process.

Boy, it was both fun and challenging learning how to animate PowerPoint and getting the video to match the audio. 🙂

It starts off with some discussion about the topic of tracking cash, but you can go right to time stamp 3:13 to see the step-by-step demonstration.


 
I’d love your feedback on this video. Thanks … and I hope you find it helpful.