I know this is a very funny question to ask because this is the type of question an alcoholic asks. Have you ever talked to an alcoholic? Most of the time, they will tell you that they don’t have a problem. And this is what makes addiction a very hard problem to address.
It’s very hard to make progress if you’re suffering from alcohol addiction, nicotine addiction, or any kind of addiction if you don’t think that you have a problem. If you’re wrapped up in denial, it’s very hard to make progress.
The same applies to bad personal financial habits. If you think that you don’t have a debt problem and you’re stuck in a negative pattern of financial behavior, then you’re not going to seek help. This is why people who are in a state of denial, as far as addictions are concerned, constantly ask this question. They always ask, “Do I really need to join Alcoholics Anonymous?” “Do I really need a drug intervention group?” In this case, “Do I really need to join a debt support group?”
Make no mistake about it. Debt can be addictive. There are many people who spend money not because they need something. In fact, they don’t even want the thing that they’re buying.
What they’re looking to buy, actually, is the emotional rush that they get when they buy something. They feel complete. They feel that they are up with the times and they don’t feel left out. In other words, they’re not really buying an item. They’re buying an emotional payoff. This is a classic sign of addictive behavior.
Bad debt decisions often reflect certain mental and emotional processes. When you engage in certain decisions based on an emotional payoff, this is a sign that you are engaged in addictive behavior.
When you join a support group, you work with others who have the same problem. You don’t feel judged. You don’t feel that you are some sort of addict or a bad person. Instead, you can work together as a group to share common solutions.
Most importantly, you give each other the proper level of emotional and moral support so you can make breakthroughs. That is why debt support groups are so important.
But for you to make progress, you have to get past the basic threshold question, “Do I really need a support group?”
You have to be honest with yourself. Shame or guilt or embarrassment should have no place in your decision making process. After all, this is the long term health of both your own personal finances and your family’s finances we’re talking about here. Sadly, too many people live in denial. They think they can control their spending or bad financial decisions.
Not surprisingly, despite the fact that they end up struggling month after month to pay off their debts and make ends meet, they hold off on joining a debt support group. Consequently, their financial pain just drags on and on.
If you are finally at the end of your leash as far as financial pressure goes, you need to pull the trigger and get together with a debt support group. You owe it to yourself!