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