1. Being unclear about your financial situation; not knowing account balances, monthly expenses, loan interest rates, fees, fines, or contractual obligations.
2. Frequently “borrowing” items such as books, pens, or small amounts of money from friends or others and failing to return them.
3. Poor saving habits: not planning for taxes, retirement, or other not-recurring but predictable items and then feeling surprised when they come due; a “live for today, don’t worry about tomorrow” attitude.
4. Compulsive shopping: being unable to pass up a “good deal;” making impulsive purchases; leaving price tags on clothes so they can be returned’ not using items you’ve purchased.
5. Difficulty in meeting basic financial or personal obligations, and/or an inordinate sense of accomplishment when such obligations are met.
6. A different feeling when buying things on credit than when paying cash, a feeling of being in the club, of being accepted, of being grown-up.
7. Living in chaos and drama around money; using one credit card to pay another; bouncing checks; always having a financial crisis to contend with.
8. A tendency to live on the edge; living paycheck to paycheck; taking risks with health and car insurance coverage; writing checks hoping money will appear to cover them.
9. Unwarranted inhibition and embarrassment in what should be a normal discussion of money.
10. Overwork or under-earning: working extra hours to earn money to pay your creditors; using time inefficiently; taking jobs below your skill or education level.
11. An unwillingness to care for and value yourself: living in self-imposed deprivation; denying your own basic needs in order to pay your creditors.
12. A feeling or hope that someone will take care of you if necessary, so that you won’t really get into serious financial trouble, that there will always be someone you can turn to.
If you are having problems with money or debt, we can help. We are a free, Twelve Steps-based fellowship with one purpose: to help people struggling with compulsive debting, compulsive spending, and/or under earning. We invite you to attend a meeting or event to learn more.
Most compulsive debtors will answer "yes" to at least eight of the following fifteen questions.
1. Are your debts making your home life unhappy?
2. Does the pressure of your debts distract you from your daily work?
3. Are your debts affecting your reputation?
4. Do your debts cause you to think
less of yourself?
5. Have you ever given false information in order to obtain credit?
6. Have you ever made unrealistic promises to your creditors?
7. Does the pressure of your debts make you careless of the welfare of your family?
8. Do you ever fear that your employer, family or friends will learn the extent of your total indebtedness?
9. When faced with a difficult financial situation, does the prospect of borrowing give you an inordinate feeling of relief?
10. Does the pressure of your debts cause you to have difficulty sleeping?
11. Has the pressure of your debts ever caused you to consider getting drunk?
12. Have you ever borrowed money without giving adequate consideration to the rate of interest you are required to pay?
13. Do you usually expect a negative response when you are subject to a credit investigation?
14. Have you ever developed a strict regimen for paying off your debts, only to break it under pressure?
15. Do you justify your debts by telling yourself that you are superior to the "other" people, and when you get your "break" you'll be out of debt overnight?
If you answered yes to eight or more of these questions, the chances are that you have a problem with compulsive debt, or are well on your way to having one. If this is the case, today can be a turning point in your life.
© Debtors Anonymous General Service Board, Inc.
Debtors Anonymous Minnesota Intergroup
Serving Minnesota, Iowa, Nebraska and the Dakotas
Just edit this element to add your own HTML.
Fifteen Questions
Twelve Signs
Meetings
DA around the world
(H) = Handicapped accessible
Minnesota:
Monday, 7:00 – 8:00 pm
DA H.O.W. #1454
St. Mary’s Greek Orthodox Church 3450 Irving Avenue South Minneapolis, MN 55408
(from the South parking lot use the door next to the flag)
Tuesday, 7:00 – 8:00 pm
St. Paul Promises #277
Unity – Unitarian Church (H)
Saint Paul Promises
32 Holly Avenue
St. Paul, MN 55104
(meeting in the basement, front desk personnel will direct to meeting room)
Thursday, 4:00 – 5:00 pm
Wadena Thursday DA #506191
Wadena Alano Club (H)
421 4thStreet NW
Wadena, MN 56482
Thursday, 6:30 – 7:30 pm
Earning & Learning DA – BDA Saint Paul #81616
Martin Luther King (MLK) Center, 271 271 MacKubin Street St. Paul, MN 55102
(located in the first room on the left off the lobby, the Game Room. On-site parking located on east side and street parking)
Friday, 5:30 – 6:30 pm
Lakes Area DA Friday #506192 Lakes Area Alano (H) 7829 Highway210
Baxter, MN 52425
2ndSaturday of the month, 7:45 – 9:00 am
Minnesota DA Intergroup, #273 Bethel Evangelical Lutheran Church (H)
4120 17thAvenue South
Minneapolis, MN 55407
Note: this is a business meeting and is not recommended for beginners looking to attend a DA recovery meeting.
Saturday, 9:00 – 10:00 am
South Minneapolis DA #1101
Bethel Evangelical Lutheran Church (H)
4120 17thAvenue South
Minneapolis, MN 55407
(park in large parking lot and enter sliding glass door facing lot. Rooms are on first right as you walk in the door)
Saturday, 10:30 – 11:30 am
Prosperity DA #276
Wooddale Church (H)
6630 Shady Oak Road
Eden Prairie, MN 55364
(located 1/2-mile South of Hwy. 62; enter front door #1, group meets on the lower level, Room 125)
Sunday, 5:30 – 6:30 pm
Minnetonka DA #1262
Oak Knoll Lutheran Church
600 County Road 73, Hopkins Crossroads
Minnetonka, MN 55345
(the church is just North of Hwy. 394, enter in the rear of the building. Group meets in Plymouth II Alano Room)
Iowa:
Thursday, 6:00 – 7:00 pm
Dollars and $ense #1577
Prairiewoods Franciscan Spirituality Center (H)
120 East Boyson Road
Hiawatha, IA 52233
Saturday, 9:00 – 10:00 am
Saturday Morning Live of Fairfield #112917
First Presbyterian Church
200 South Main Street
Fairfield, IA 52556
Saturday, 9:00 – 10:00 am
New Found Hope #1405
Mercy Hospital, Conference Room 1E (H)
250 Mercy Drive
Dubuque, IA 52001
Nebraska:
Monday, 7:30 – 8:30 pm
Solvency is Sanity #3119
The Meeting Place
2748 S Street
Lincoln, NE 65803
(group meets in Room 3B)
Tuesday, 12:00 – 1:00 pm
Tuesday Noon DA #72717
Twelve Step House (H)
7306 Grant Street
Omaha, NE 68134
(enter through the SE door and walk through the kitchen to the Patty McGill Room)
Thursday, 7:15 – 8:15 pm
Skyline Solvency #1205
St. Augustine’s Episcopal Church
285 South 208thStreet
Elkhorn, NE 68022
(this is a small group, if you are planning to attend please text Sandra at 402-536-9781 or Sharon B. at 402-250-8137 to be notified of meeting updates or schedule changes.
Sunday, 6:30 – 7:30 pm
Back to the Black #513
Twelve Step House (H)
7306 Grant Street
Omaha, NE 68134
North Dakota:
Currently no meetings.
South Dakota:
Currently no meetings.
Debtors Anonymous Minnesota Intergroup
Copyright 2018