How I'm Tackling My Persistent Debt

When I embarked on the Joy road and began to live my dream in earnest, I did what a lot of small business owners do: I financed with Visa and Master Card. I figured I'd pay off over time - and I have. The only problem is that I periodically pay down that debt and then up it pops again, like a persistent Jack-in-the-Box. So I have a new approach, because I'm REALLY tired of having credit card debt!

At a recent dinner in Los Angeles with Chellie Campbell, author of The Wealthy Spirit and creator of the Financial Stress Reduction Workshop, I asked her just how I could finally make my debting behavior go away for good. Would it be by earning more money?

"Certainly not!" she crowed. "It doesn't matter what you earn. I've seen people who make $350,000 a year plagued by the same problem." The answer, she says, is in affirmations. Specifically, recite 50 per day to your left eye (which receives information) in the mirror.

So that's what I've been doing for more than a month now. And my list of affirmations has developed and deepened as I go. I'm using my 'Fabulous 50' to achieve all kinds of financial, personal and professional goals. Affirmations work by gently bombarding your brain with new messages that trigger new subconscious thoughts and automatic behaviors. So you find yourself newly motivated to tackle problems. And the Universe responds by putting new people, circumstances and opportunities in your path.

Here's what happened so far:
- Hubby and I easily jumped over an old persistent bug-a-boo in our relationship that we'd spent A LOT of time arguing about in our 20 years together. Suddenly … it's gone! And life is sweeter.
- I'm waking up each day with new determination to rearrange my finances to get rid of my debt
- The perfect book keeper and a really good investment advisor have stumbled into my path
- Last month - without my even realizing it - was one of my top earning months in 2005. How did this happen?

I will report on my progress as I proceed with my goal - to wipe out my debt, and keep it wiped out … for good!

Comments

[leslie]

Great post! I worked with a coach recently on this exact problem, set up my affirmation for 'getting in the black'....I have deleted the 'd' word from my vocabulary....and in the past six months moved closer to my goal than in the last 3 years! Looking forward to hearing of your progress...^-^ The Universe is on our side....

[Pamela Stewart]

Boy Suzanne can I relate to this one! The last two years I was cooking along with work, paid a huge amount off, and occured NO new debt. Then ... major life changes happened, I had a baby, wanted to take a bit more time off, and started moving in a new business direction ... and felt those tricky little credit cards burning a hole in my pocket. It happens so quickly! So I will follow your good example and encourage myself not to give up!

[Diana Arseneau]

Good work, Suzanne! I too financed my business with my cards and overdraft and then lived for a year on my savings. Everything went kerflooey...

I consolidated my debt with a bank loan that is a third of what I used to pay on the bills, and I've stopped thinking of myself as poor, something that I think was having a very negative effect on everything. And I pay cash now.

I discovered tax assistance funds that fill a gap, and my next step is looking into good grants to take some courses I'm interested in.

You're so lucky that your family gives you such fantastic moral support. My partner doesn't, but taking a tip from your questionnaire, I'm giving some good thought to creating a support system that doesn't include him.

Diana