One of the things I struggled with after I got sober was financial amends. One of the first things or steps rather when transitioning back in life is putting the pieces back together of all the wreckage I had done. Like sobriety, this is a process and can not be done in one day. Or in my case, years.
So, I’m sober, I worked the steps, back with the family and I finally get a second to look over all my debt, which before I could careless about, however now I do want to start paying off. And it took me 2 years in sobriety to say to myself, “Ok, I want to start paying off my debt.”
So even getting to this point and looking at all the credit cards, utilities, cell phone bills, cable and Internet defaults can extremely overwhelming. Especially when you have you have your other daily, weekly and monthly fixed cost. So here are a few tips that I gathered that might help relieve the stress.
1) Your Sobriety. Make sure its solid. Make sure you are doing the daily deal and keeping up your recovery. Make you sure you understand your sobriety comes first, and I like hold in my back pocket the fact, that if worst comes to worst, all I need to do today is stay sober.
2) It would be a great idea if you had a steady job! I would not recommend trying to pay the world off with your first check. Get to a point where you can spare the extra cash, which takes us to our next tip.
3) Priorties. This is huge. So you have your debt, your regular bills, and you have .45 cents in your bank account. What do I pay off first? Well. priorities say, take care of yourself and your family first. Build up a little savings. Make sure you have the money for your bills first, then savings, then the left over can go towards whatever. There is no sense in being completely broke, it just ads stress. Your debt is going no where, remember as long as we are making a sincere effort, its all good!
4)What bill to pay first? If you like me, during my addiction I racked up over a dozen bills of debt. And let me add I am currently no where near clearing my debt. So how do I pick whats first? If I have the money to pay off an entire bill I do it. If not, I pick the largest and set up payments however during that period, I do not pay anything else off. Or you could pin the bills up on the wall and throw darts!
So this just my experience, this isnt set to stone. Basically find you way and get it done. However you absolutely have to keep your sobriety first or the rest of it really doesn’t matter.