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.
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Twelve Signs
Meetings
Debtors Anonymous Minnesota Intergroup
Serving Minnesota, Iowa, Nebraska and the Dakotas
Due to Covid-19 Some DA Meetings Are Moving To Alternative Technologies. Conference Calls or Online Options.
See DA Website for Details. https://debtorsanonymous.org/
DA around the world
Fifteen Questions
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.
(H) = Handicapped accessible
Minnesota:
Monday, 7:00 – 8:00 pm
DA H.O.W. #1454
Conference call #515-604-9300. Access code: 622539#
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
Due to COVID-19
Zoom Meeting
https://us02web.zoom.us/j/74442792114
Meeting ID: 744 4279 2114
Passcode: 12Solvency
One tap mobile
1-312-626-6799
Meeting ID: 744 4279 2114
Passcode: 502353
Unity Church - Unitarian
732 Holly Avenue
St. Paul, MN 55104
(meeting in the basement, front desk personnel will direct to meeting room)
Note: fragrance free meeting
Thursday, 4:00 – 5:00 pm
Call in number during Covid -19 651-402-3290
Wadena Thursday DA #506191
Wadena Alano Club (H)
421 4th Street NW
Wadena, MN 56482
Thursday, 6:30 – 7:30 pm
Zoom and Call during Covid
Join Zoom Meeting
https://us02web.zoom.us/j/82456390947
Meeting ID: 824 5639 0947
Passcode: 12Promises
One tap mobile
+13017158592
Meeting ID: 824 5639 0947
Passcode; 12Promises
Earning & Learning BDA Saint Paul #81616
Martin Luther King (MLK) Ctr.
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
Call in number during Covid - 651-402-3290
Lakes Area DA Friday #506192
Lakes Area Alano (H) 7829 Highway210
Baxter, MN 52425
2nd Saturday of the Month 7:45 – 9:00 am
MN Intergroup
Join Zoom Meeting
https://us02web.zoom.us/j/81187623604
Meeting ID: 811 8762 3604
Passcode: 12Promises
+1 312 626 6799 US
Meeting ID: 811 8762 3604
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
Due to Covid-10 and safety precautions meeting will be virtual:
Join Zoom Meeting
https://us04web.zoom.us/j/777899229
Password: SMPLS
Meeting ID: 777 899 229
One tap mobile
+13126266799,,777899229# US (Chicago)
Meeting ID: 777 899 229
South Minneapolis DA #1101
Bethel Evangelical Lutheran Church (H)
4120 17th Avenue 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
Please note the Wooddale Church is closed to face-to-face meetings, including PRGs.
Zoom Meeting:
https://us02web.zoom.us/j/9283434286
Meeting ID: 928 343 4286
Password: 12Promises
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)
Sundays, 1st & 3rd of month 5:30 – 6:30 pm
Contact Steve C., at 612-743-1441, or birkie17@gmail.com for Zoom meeting information due to Covid-19.
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
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 208th Street
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