Aug

Debt Problems and Your Attitude

site management on August 31st, 2009

Debt Problems and Your Attitude – The Complete Guide to Debt
By Philip McClarence

If you have looked into the ’self-help’ market at all, you will undoubtedly have come across claims that ‘positive thinking’ or the daily ‘visualisation’ or ‘affirmation’ of certain goals will in some way mystically improve your situation. While it is not the remit of this book to go into these realms, a positive mental attitude definitely improves the likelihood of a successful outcome to any particular problem, largely because of the difference it can make to the way in which you are perceived by others.

Conversely, irrational feelings of guilt, inferiority and fear of the unknown brought on by debt will give rise to destructive levels of worry which will in turn lead to loss of sleep and possibly to depression or chronic anxiety. No-one can function properly while crippled by such conditions, and it is necessary to be effective in order to cope successfully with debt and to ride out the situation.

It helps to deliberately set out to try to look for positive aspects of your situation, or at least to recognise how things could have been worse. It may also help to see the funny side of things, in particular the pomposity and predictability of some of the idiots with whom you will inevitably have to deal. Try extremely hard never to lose your temper, especially while you are on the phone – it may feel good at the time but could cost you dearly. Whatever seems to help your state of mind – whether it is positive thinking, self-hypnosis, goal visualisation, prayer, or never treading on the cracks between paving slabs – use them all.

As you make visible progress such as gaining breathing space, having charges or interest suspended, or coming to arrangements you can actually live with, these things will help you regain a sense of control and progress, and your stress levels will decline of their own accord.

Finally, whatever sacrifices you need to make to get by, however demeaned you may feel by the whole situation, it is very important not to lose sight of the fact that debt management is only a means to an end, not a way of life. Your real objective should be to re-establish some form of income, either within the employment market, or from some form of self-employment or other business activity – anything that will provide a small income, and more importantly, show you that not everything is a down hill slide.

This article is an excerpt from The Complete Guide to Debt. Visit My DebtFreeLife.co.uk for more information on getting out of debt as well as Debt Consolidation Loans and ways to get your creditors to legally write off your debt!

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