12 Steps Towards Debt Freedom

WE admit that we have trouble controlling our financial behavior
WE now believe that we have the power to transform our finances by taking control
WE made a decision to change the behavior that led to our financial mistakes
WE decided to look in the mirror for a more in depth look at what we need to change
WE are willing to share with others our stories of struggle and survival due to our mistakes
WE resolve to no longer borrow money to subsidize our income, and to live off of less than we make
WE remind ourselves that the borrower is slave to the lender when we are weak
WE decided to create a budget, in order to track our spending habits more closely
WE have realized that contentment is key to controlling our wants and desires
WE are committed to exploring frugality as a means to being less wasteful with our money
WE understand the importance of savings and are committed to building these funds to strengthen our financial security
WE know we will at times be weak, and when that comes, we will search for the strength and the courage to remain grounded in these principles