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Hi, my name is Sarah, and I'm a debtor. I spend on credit cards and do not allow myself to save money for any decent length of time.<br><br>
I feel horrible just typing that. I've had problems all of my life, including affecting my marriage. I filed for divorce in May because I'm trying to get my life together and get our daughter and myself to a safe/sane environment. I need to figure out how to get well and I don't know where to start.<br><br>
I am seeking assistance in finding out my first step and a female sponsor. I am not Christian and am not sure how to do any of the steps. I have put A Currency of Hope and How to Get Out of Debt, Stay Out of Debt, and Live Prosperously: *(Based on the Proven Principles and Techniques of Debtors Anonymous) in my Amazon basket but have to wait until I receive an amazon gift card from mypoints to be able to buy them.<br><br>
I have signed up with several Debtors Anonymous groups but have no idea what to actually DO.<br><br>
Any assistance/direction would be appreciated.<br><br>
Thanks!<br><br>
Sarah
 

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Personally, reading Dave Ramsey's Total Money Makeover (from my local library=free!) was a real eye-opener/butt-kicker/motivating/supportive and hands-on place to start.<br><br>
Even if you can't get set on a specific path right now, start tracking your spending and make a list of fixed expenses (predictable bills) and when they're due. Then when it comes time to make the financial plan you'll have a clearer picture of exactly what you're working with.<br><br>
Good luck mama, taking control of your finances and having clear goals/priorities is so empowering and liberating. It isn't always easy, but its rewards are great!
 

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can you get those books from the library?<br><br>
I too also like Dave Ramsey's book, his modified steps helped get me free of $30K in debt<br><br>
Okay, so breath. Slow down, good job on getting the ball rolling and being honest. it can be a very hard process. Lots of emotions along with all the upheaval in your personal life.<br><br>
Have you taken an accounting? What you have in income; What you have in debt. get out a good pencil and piece of paper and write it all down.<br>
Knowing what you have to work with gives you some control.<br><br>
Breath, slow down, one step. This is going to be a behavior change. Once again, behavior change. Long term, for the rest of your life.<br><br>
Also might not hurt to think about the pros and cons as well as your goals for taking control over this aspect of your life.<br>
You can remind yourself later when you feel like you are "depriving" yourself and the "I want it's" start. If you have a clear picture/ goal that you are working towards it's easier to reason with the "inner princess"... but I want it.. whinny little brat! <img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/smile.gif" style="border:0px solid;" title="smile"><br><br>
You could even see if there are not some specialized forum boards with DA. I know there are some other more personal finance forums, hang out, read. Dave Ramsey offshoot but also more Christian board (it's present but not really offensive- some are not religious at all)<br>
llnoe.com (Living like no one else)<br><br><br>
See if you can't get some of these books thru the library. Dave Ramsey also have video online, check out YouTube or the like.<br>
Use your Amazon code for something more practical (groceries, supplies, gifts, etc) or even a splurge "treat" to yourself when you really just want to order something for yourself, but make sure it is something you really want/need not just random shopping because you have money to spend.<br><br><br>
Best
 
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