We have all arrived
at this crossroad.
road, a soft road, lures you on to further despair, illness,
ruin, and in some cases, mental institutions, prison, or suicide.
other road, a more challenging road, leads to self-respect,
solvency, healing, and personal fulfillment.
We urge you to take
the first difficult step onto the more solid road now.
Frequent use of the term "borrow" for such things as cigarettes,
Borrowing small amounts of money from friends.
An association of charging with being "grown up."
A different feeling when buying things on credit than
when paying cash - a feeling of being in the club - a feeling
of being accepted.
An inordinate sense of accomplishment in just meeting
normal financial obligations.
Inordinate apprehension when applying for a loan.
Unwarranted inhibition and embarrassment in what should
be a normal discussion of money.
A lack of concern about things that don't have to be paid
for this month.
Unusual difficulty in recalling and relating specific
obligations to available funds.
Unrealistic expectations that there will be funds available
in the future to meet obligations incurred in the present.
Inordinate feeling of euphoria on opening a charge account.
A feeling that someone will take care of you if necessary,
so that you won't really get into serious financial trouble
- that there is always that someone you can turn to.
The underlying, sometimes subconscious feeling that you
need someone else to help you get out from under your financial