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FINANCIAL RECOVERY
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What do I need to recover
from? |
- Being unclear about your
financial situation. Not knowing account balances, monthly expenses,
loan interest rates, fees, fines, or contractual obligations.
- Frequently "borrowing"
items such as books, pens, or small amounts of money from friends and
others, and failing to return them.
- Poor saving habits. Not
planning for taxes, retirement or other non-recurring but predictable
items, and then feeling surprised when they come due; a "live for
today, don't worry about tomorrow" attitude.
- Compulsive shopping: Being
unable to pass up a "good deal"; making impulsive purchases;
leaving price tags on clothes so they can be returned; not using items
you've purchased.
- Difficulty in meeting basic
financial or personal obligations, and/or an inordinate sense of accomplishment
when such obligations are met.
- A different feeling when
buying things on credit than when paying cash, a feeling of being in
the club, of being accepted, of being grown up.
- Living in chaos and drama
around money: Using one credit card to pay another; bouncing checks;
always having a financial crises to contend with.
- A tendency to live on the
edge: Living paycheck to paycheck; taking risks with health and car
insurance coverage; writing checks hoping money will appear to cover
them.
- Unwarranted inhibition and
embarrassment in what should be a normal discussion of money.
- Overworking or under earning:
Working extra hours to earn money to pay creditors; using time inefficiently;
taking jobs below your skill and education level.
- An unwillingness to care
for and value yourself: Living in self-imposed deprivation; denying
your basic needs in order to pay your creditors.
- A feeling or hope that someone
will take care of you if necessary, so that you won't really get into
serious financial trouble, that there will always be someone you can
turn to.
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