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I'm in debt help,meditation mindfulness history,grocery shopping - You Shoud Know

Treating debt as if it were a financial problem is similar to trying to cure the flu by blowing your nose. In other words, debt is often just a symptom of a much larger problem: an addiction to an unsupportable self-image and lifestyle that results in overspending. What that means is debt’s real cause is often personal life habits and attitudes that result in overspending. However, teaching a chronic debtor to spend less and earn more is like telling an overweight person to lose weight by eating less and exercising more.
Sure, you want to get out of debt as fast as possible, but superficial financial solutions result in repeat offenders.

The permanent cure is to plug all the habitual ways you leak money so that you never go into debt again. When you learn to spend less than you earn, your debt problems should vanish forever… and that is a good thing. When you’re 30 years old, debt-free, taking a two-week vacation to Europe and buying your first property, you’ll see what I mean.
Get a Financial Life: Personal Finance in your Twenties and Thirties by Beth Kobline was one book that helped me learn to navigate my finances (I was terrified at first, too). You believe your debt is a financial problem, but it’s actually a personal problem masquerading as a financial one.

Until you address the real problem, the symptom will recur, which may explain why you are in debt again.
Using debt consolidation, or transferring balances to a HELOC or a 0% credit card, or selling assets such as a house, boat or car does not address the root cause of the problem. It’s about long-term financial management using permanent habits that convert your debt into wealth.

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