Credit debt solution – it’s all in your head

Looking for a simple and lasting credit debt solution? There is no point in paying off your credit card debt and not tackling the habits and thought process that caused your credit card debt problems. If someone were to come along and wave a magic wand and payoff all your debts the chances are that if you didn't solve the habits that cause the problems in the first place that you would be back in credit card debt in a short period of time.

Your current financial situation is based on your relationship with money. There are very few things that people have more emotional problems with than money. When you are growing up you were probably sent conflicting ideas about money. On the one hand it has been said that 'Money is the root of all evil' yet at the same time 'Greed is good' has become a mantra.

In order to make any headway with your debt you need to first establish what your relationship with money is like. Growing up you may have picked up on your parents money worries and subconsciously you may have developed a similar mindset yet in an attempt to rebel you throw caution to the wind and develop a spend now pay later attitude.

Some people somehow develop the attitude that they will never understand anything about money, that somehow they will muddle through life and that nice man down at the bank will help them through it. Little realizing that the nice man down the bank is on a commission and the only think he cares about is his commission.

To truly be ready to get out of debt and stay out of debt you will need to do a lot of work on yourself. You will need to mentally rehearse success, begin to see yourself as debt free and on the path to financial security.

I would say that the most important thing that you could do as preparation to becoming debt free is to work on yourself. Try to establish what your relationship with money is. Are you a shopaholic? Do you pay attention to how much you spend? Do you worry about money? Do you feel that you know enough about money? Are you happy to let someone else look after your money?

These are hard questions but they are questions that you need to know the answer to in order to progress. Otherwise you will most likely fail at your attempts to get debt free if you do not have a clear understanding of your relationship with money. What will happen is that you will have repeat behaviours that you will not be able to explain the causes for and these repeat behaviours will simply be your relationship with money playing out. This will lead to immense frustration as you continue your struggle with debt.

Things won't change until you change. If you think about it logically your current financial state is a reflection of your relationship with money. Do you have a lot of money and feel wealthy? Great - you seem to have a good relationship with money. Now what if you are in debt and find it hard to keep hold of the money you earn? Chances are that you have a poor relationship with money.

Did you see how I just phrased that response? "chances are that you have a poor relationship with money" I want to draw your attention to the use of the word poor. The word poor has allsorts of negative connotations in relation to money. I said poor on purpose to highlight how important it is to watch how you speak about money. The more you use negative words in relation to your financial situation the more likely that it will remain a reality for you.

In its simplest form Negative thoughts and Negative words lead to Negative situations but fortunately the reverse also holds true

Positive thoughts and Positive words lead to Positive situations

If you are at rock bottom financially and cannot seem to see anyway out then the simplest and most effective way for you to is to start working on yourself. Give thanks for the small things in your life that give you pleasure. It could be the smallest thing like going for a coffee or walking a dog. You will have to bring your mindset back to ground level, back to the simple pleasures.

John Ryan is a personal finance blogger who offers credit debt solution through the writings on his website http://www.untildebtdouspart.com