Twelve-Step Program for Financial Stressaholics

BY CHELLIE CAMPBELL

REPRINTED WITH PERMISSION.

This story of two brothers shows the pain of guilt—and the power of love and redemptive acts.

I was speaking at a 12-step meeting recently, and this Twelve-Step program for Financial Stressaholics suddenly came to me. With a wink and a nod to Alcoholics Anonymous and twelve-step programs everywhere, here are the twelve steps to treat your money disorders – spending bulimia and income anorexia:

1. We admitted we were powerless over money—that our checkbooks had become unmanageable.

2. Came to believe that a Budget greater than ourselves could restore us to sanity.

3. Made a decision to turn our will, insurance, checkbooks, and retirement accounts over to the care of a Financial Advisor that we understood.

4. Made a searching and fearless moral inventory of our debits and credits.

5. Admitted to God, to ourselves, and to another human being the exact nature of our accounting errors.

6. Were entirely ready to have our Financial Advisor remove all these defects of our accounting software.

7. Humbly asked her to adjust our bank reconciliations.

8. Made a list of all persons to whom we owed money and became willing to pay them all.

9. Made direct payments to such people wherever possible, except when to do so would overdraw our bank accounts.

10.Continued to take financial seminars and when we were wrong promptly admitted it.

11.Sought through prayer and meditation to improve our conscious contact with our Financial Advisor, praying only for knowledge of her retirement plan for us and the power to invest enough money in it.

12.Having had a spiritual awakening as the result of these steps, we tried to carry this message to income anorexics and spending bulimics and to practice these principles in all our finances.

© 2007, Chellie Campbell, Financial Stress Reduction

A BOOK FOR PEOPLE WHO ARE TIRED OF HAVING TOO MUCH MONTH AT THE END OF THEIR MONEY

Lots of people are can't quite get their money and their month to stretch together. How to have more? Buy a book. Attend a workshop. Put sound strategies into practice. But what book, what workshop, what strategies?

The Internet offers thousands of ideas from financial consultants. Many are undoubtedly good. Finding them is another matter.

That is why I am pleased to recommend a book called Zero to Zillionaire: 8 Foolproof Steps to Financial Peace of Mind.

This is what the Kiplinger Book Review had to say about Chellie Campbell's book.

Popular financial stress reducer Chellie Campbell gushes with common sense and positive aspirations on every page of Zero to Zillionaire, a feel-good romp thrpugh smart budgeting and tactical financial planning. Although much of her wisdom sounds more like gossip between friends over coffee than a financial advisor's tips on the current market, much of Campbelll's advice rings true on several levels. On one level, she's a savvy financial adviser with her own list of numbered strategies for geting rich. On another, she's a holistic mentor who offers a mindset that attracts wealth and happiness. On all levels, she overflows with specific steps toward making wiser personal choices.