A Spiritual Solution (Group #1112)
7 PM to 8 PM Pacific Time, each Wednesday
This meeting is now being held online. Click here to join via Zoom.
To dial in by phone, call (669) 900-6833 in the USA and enter Meeting ID: 861 8629 9145. Dial +1-669-900-6833 internationally and enter the same meeting ID.
A Spiritual Solution Meeting Format
1. Opening 7:00 pm
Good evening and welcome to A Spiritual Solution, a Meeting of Debtors Anonymous. My name is _____ (first name only) and I am a compulsive debtor. Please use the mute button unless you are speaking, and refrain from using the Chat during the meeting unless you are posting a link for the entire group.
2. Serenity Prayer
May we please have a moment of silence, followed by the Serenity Prayer.
All: God, grant me the serenity to accept the things I cannot change, courage to change the things I can, and the wisdom to know the difference.
3. Statement of Primary Purpose
In DA, our purpose is threefold: to stop incurring unsecured debt, to share our experiences with the newcomer, and to reach out to other debtors.
4. Statement of Inclusion
We welcome everyone regardless of race, ethnicity, age, sex, sexual or gender orientation, ability or disability, religion or lack of religion, politics, socioeconomic status and other such factors.
5. Responsibility Pledge
I pledge to extend my hand and offer the hope of recovery to anyone who reaches out to Debtors Anonymous.
6. Option to Add Your Contact Info for Outreach Purposes
if you would like to share your phone number for outreach purposes, you can add your name and phone number in the chat box by clicking on the Chat button at the bottom of the Zoom screen.
7. Twelve Steps of Debtors Anonymous
Please ask a member to read the 12 Steps.
1) We admitted that we were powerless over debt – that our lives had become unmanageable.
2) Came to believe that a Power greater than ourselves could restore us to sanity.
3) Made a decision to turn our will and our lives over to the care of God as we understood God.
4) Made a searching and fearless moral inventory of ourselves.
5) Admitted to God, to ourselves, and to another human being the exact nature of our wrongs.
6) Were entirely ready to have God remove all these defects of character.
7) Humbly asked God to remove our shortcomings.
8) Made a list of all persons we had harmed and became willing to make amends to them all.
9) Made direct amends to such people wherever possible, except when to do so would injure them or others.
10) Continued to take personal inventory and when we were wrong promptly admitted it.
11) Sought through prayer and meditation to improve our conscious contact with God as we understood God, praying only for knowledge of God’s will for us and the power to carry that out.
12) Having had a spiritual awakening as the result of these steps, we tried to carry this message to compulsive debtors, and to practice these principles in all our affairs.
8. The Twelve Signs of a Compulsive Debtor
Please ask a member to read the 12 Signs.
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 and 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. Overworking or underearning: Working extra hours to earn money to pay creditors; using time inefficiently; taking jobs below your skill and education level.
11. An unwillingness to care for and value yourself: Living in self-imposed deprivation; denying your 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.
9. Tools of Debtors Anonymous
Please ask a member to read the 12 Tools of DA.
Please read the heading of each tool and the description of the tool of the month. This month’s tool is: _________
Recovery from compulsive debting begins when we stop incurring new, unsecured debt, one day at a time. (Unsecured debt is any debt that is not backed up by some form of collateral, such as a house or other asset.) We attain a daily reprieve from compulsive debting by practicing the Twelve Steps and by using the following Tools.
We attend meetings at which we share our experience, strength, and hope with one another. Unless we give to newcomers what we have received from D.A., we cannot keep it ourselves.
2. Record Maintenance
We maintain records of our daily income and expenses, of our savings, and of the retirement of any portions of our outstanding debts.
We have found it essential to our recovery to have a sponsor and to be a sponsor. A sponsor is a recovering debtor who guides us through the Twelve Steps and shares his or her own experience, strength, and recovery.
4. Pressure Relief Groups and Pressure Relief Meetings
After we have gained some familiarity with the D.A. program, we organize Pressure Relief Groups consisting of ourselves and two other recovering debtors who have not incurred unsecured debt for at least 90 days and who usually have more experience in the program. The group meets in a series of Pressure Relief Meetings to review our financial situation. These meetings typically result in the formulation of a spending plan and an action plan.
5. Spending Plan
The spending plan puts our needs first and gives us clarity and balance in our spending. It includes categories for income, spending, debt payment, and savings (to help us build cash reserves, however humble). The income plan helps us focus on increasing our income. The debt payment category guides us in making realistic payment arrangements without depriving ourselves. Savings can include prudent reserve, retirement, and special purchases.
6. Action Plan
With the help of our Pressure Relief Group, we develop a list of specific actions for resolving our debts, improving our financial situation, and achieving our goals without incurring unsecured debt.
7. The Telephone and the Internet
We maintain frequent contact with other D.A. members by using the telephone, email, and other forms of communication. We make a point of talking to other D.A. members before and after taking difficult steps in our recovery.
8. D.A. and A.A. Literature
We study the literature of Debtors Anonymous and of Alcoholics Anonymous to strengthen our understanding of compulsive disease and of recovery from compulsive debting.
We maintain awareness of the danger of compulsive debt by taking note of bank, loan company, and credit card advertising and their effects on us. We also remain aware of our personal finances in order to avoid vagueness, which can lead to compulsive debting or spending.
10. Business Meetings
We attend business meetings that are held monthly. Many of us have long harbored feelings that “business” was not a part of our lives but for others more qualified. Yet participation in running our own program teaches us how our organization operates, and also helps us to become responsible for our own recovery.
We perform service at every level: personal, meeting, Intergroup, and World Service. Service is vital to our recovery. Only through service can we give to others what so generously has been given to us.
We practice anonymity, which allows us freedom of expression by assuring us that what we say at meetings or to other D.A. members at any time will not be repeated.
Is there anyone here at their first, second, or third DA meeting who would like to introduce themselves by first name only so that we may specially welcome you? Do we have any non-debtor visitors? Do we have any guests from out of town?
11. A Word to Newcomers
If you are having problems with money and debt and think you may be a compulsive debtor, you have come to the right place. It is suggested that at first you attend at least six meetings over a period of two weeks to have time to identify with the speakers and absorb the DA concepts. If you then think DA is for you, you can arrange to have your first Pressure Relief Meeting.
Is anyone in their first 90-days of sobriety from debting and/or underearning and would like to share their day count with the group? Are there any anniversaries marking continuous sobriety for the month of ________? We celebrate DA birthdays on the last Wednesday of the month with coins.
13. Meeting Format
This meeting rotates between the Tradition, Step and Tool corresponding to the month. The Fourth Wednesday our topic is DA literature. If there are five Wednesdays, we discuss the Promise corresponding to the Month.
1st Wednesday – Tradition Corresponding to the Month
2nd Wednesday – Step Corresponding to the Month
3rd Wednesday – Tool Corresponding to the Month (and Business Meeting after the Regular Meeting)
4th Wednesday – DA Literature
5th Wednesday – Promise
14. Sharing (7:20 pm)
There is no cross talk at this meeting. We define cross talk as whispering, talking while another is speaking, giving advice, or commenting on the details of a previous share. If you would like to comment on what another has shared, please seek that person’s permission after the meeting. We leave the last five minutes to ask if there are any newcomers who would like to share.
Request a member to time 3-minute shares and indicate when the speaker has one minute remaining.
7:45 pm Ask if there are any newcomers who want to share
7:50 pm close sharing portion of meeting.
Are there any announcements for the good of DA?
The next Intergroup meeting is (fourth Saturday of the month) _______________. All are welcome to attend.
Are there any announcements from the Literature Chairperson? (Literature chair: DA literature is available. The Currency of Hope, The DA 12x12x12, and the AA Big Book, are available for mobile device.)
16. Seventh Tradition
DA has no dues or fees. We are self-supporting through our own contributions, so we pass the envelopes. Please give as generously as you can. However, if you cannot, please keep coming back. If this is your 1st , 2nd , or 3rd meeting, instead of contributions, we encourage you to purchase literature.
Keep in mind that our group’s monthly expenses (i.e. rent, literature, prudent reserve, etc.) as of ____________ , are __________. In addition, DA has a service structure which depends on contributions from our group. After our group’s needs are met, we contribute the balance; 50% to the General Service Office and 50% to Intergroup. Help us meet our responsibility for supporting the Fellowship as a whole.
How to Donate
To donate, download the Cash app to your phone. Cash app for iPhone Cash app for Android You'll need to add a bank account to your user profile in the app. With the app open, click the Pay button. Put in the amount you wish to donate, and enter $SewardDA in the "To: " field.
In the "For: " field, you can specify if you want your donation to go to the meeting's 7th Tradition fund, or the meeting's General Service Representative (GSR) fund to send the group's GSR to the DA World Service Conference. You can also donate to both. (In the "For: " field, specify how much you want to go to each fund).
Taking Calls from Newcomers
Will all those willing to take calls from newcomers, please raise your hand and state your name.
Available to Sponsor?
Will all those available to sponsor, even if on a temporary basis, please raise your hand and state your name.
Now is the time we share a vision for ourselves and our action steps for the coming week.
18. The Twelve Promises of Debtors Anonymous
Request a member to start a shared reading of the Promises.
In the program of Debtors Anonymous, we come together to share our journey in recovering from compulsive debting. There is hope. In working D.A.’s Twelve Steps, we have developed new ways of living. When we work D.A.’s Twelve Steps and use D.A.’s Tools, we begin to receive these gifts of the program:
1) Where once we felt despair, we will experience a newfound hope.
2) Clarity will replace vagueness. Confidence and intuition will replace confusion and chaos. We will live engaged lives, make decisions that best meet our needs, and become the people we were meant to be.
3) We will live within our means, yet our means will not define us.
4) We will begin to live a prosperous life, unencumbered by fear, worry, resentment or debt.
5) We will realize that we are enough; we will value ourselves and our contributions.
6) Isolation will give way to fellowship; faith will replace fear.
7) We will recognize that there is enough; our resources will be generous and we will share them with others and with D.A.
8) We will cease to compare ourselves to others; jealousy and envy will fade.
9) Acceptance and Gratitude will replace regret, self pity and longing.
10) We will no longer fear the truth; we will move from hiding in denial to living in reality.
11) Honesty will guide our actions towards a rich life filled with meaning and purpose.
12) We will recognize a Power Greater than ourselves as the source of our abundance. We will ask for help and guidance and have faith that they will come.
All this and more is possible. When we work this program with integrity and to the best of our ability, one day at a time, a life of prosperity and serenity will be ours.
19. Closing Statement and Prayer
In closing, we would like to remind you that in Debtors Anonymous we practice Tradition Twelve, which is the principle of anonymity. This assures us the freedom to express ourselves at meetings and in private conversations without fear that our comments will be repeated. We keep what is shared at meetings confidential. As we work the Steps and practice D.A.'s Traditions and Concepts, we are reminded that recovery is possible and that we are all here for a common purpose: to recover from compulsive debting one day at a time.
For all those who would like to, please join me in saying the Serenity Prayer.
All: God, grant me the serenity to accept the things I cannot change, courage to change the things I can, and the wisdom to know the difference.
Keep coming back. It works if you work it, and you’re worth it!
End of Meeting