All About Debts

Counseling looks at the specific problem of shopping addiction and creates an action plan to stop the behavior. Targeted counseling for this problem alters the negative actions of the behavior and concurrently works toward healing the underlying emotions, although less emphasis is placed on exploring the emotional significance of the compulsive act than in traditional individual psychotherapy. Counselors who work with shopaholics often refer their clients to traditional psychotherapists when the severity of the related emotional issues goes beyond the expertise of the counselor. With certain clients, the combination of counseling, psychotherapy, and/or Debtors Anonymous goes several steps beyond the work of any one of these methods alone.

Debt Help Karen McCall of California and Ron Gallen of New York are two counselors with significant expertise in this area: both of have written about it and both train counselors and therapists to do this type of work. McCall has published the Money Minder: Financial Recovery Workbook (2002), an approach for clients to achieve financial success; Gallen elucidates his method in The Money Trap: A Practical Program to Stop Self-Defeating Financial Habits So You Can Reclaim Your Grip on Life (2002). The major premise of counseling for shopaholics is the idea that insight alone will not stop the behavior. All stages in the shopping addiction cycle must be identified-the triggers, the feelings, the dysfunctional thoughts, the behavior, the consequences of the behavior, and the meaning of the shopping addiction. The client needs to learn how to work with each stage in the cycle so that he or she gains more control of the problem. In this sense, counseling for shopaholics is similar to counseling for alcohol and drug abuse. However, recovery from a shopping addiction is different and, in some ways more complicated: with alcohol and drugs, abstinence is the treatment goal, but it is impossible to abstain from buying, from using money.

From June 1, indebted. They will be providing you with budgeting advice and will also mediate with your credit providers to reach an amicable solution. You may approach a debt counselor directly for advice or you may be referred to a debt counselor by either a creditor or a magistrate’s court. When you apply for debt counseling, you cannot take on new loans or credit until you have paid all your debts and have received a clearance certificate from your debt counselor. You will also be listed on the credit bureau records as a consumer under debt counseling. Currently, the National Credit Act provides for a R50 application fee for debt counseling, but the department of trade and industry is considering changes to debt counseling fees.

Counseling Debt Counseling for shopaholics sets out to address the entire scope of the problem. It helps the client answer such questions as these:
How and when did the shopping addiction begin?
What form does it take? Is it shopping on the Internet, from catalogues, on TV, in stores? Is it done on holidays? When buying gifts? In the service of a "collection"?
What emotions underlie the shopping addiction? (Boredom? Loneliness? Anger? Anxiety?)
Is it a means to self-soothe?
Is it done to try to enhance self-esteem or feel more socially desirable?
Do you shop to enliven yourself because of an internal feeling of deadness?
Is it a response to a change in another addictive behavior?

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Consolidation Consumer Debt The possibilities are endless, because each person's story is different. The central question, however-and the one that shopping addiction counselors are in a unique position to address-is always the same: what can be done to end the shopping addiction? The counseling process has as its goal to break the cycle of the shopping addiction and to create a workable financial structure, one that will enhance, rather than erode, a client's quality of life. In order to do this, some of the underlying emotional turmoil must be dealt with, from both historical and current perspectives. There are multiple stages in recovery from shopping addiction, and counseling also has to proceed in a step-wise fashion. Admitting where you stand is the key to recovery. Before any change can occur, the shopaholic must take a long, hard look at his current situation; as with any addiction, denial is almost endemic. What I've found useful is to ask my clients to record all of their expenses for a one-month period, whether a fifty-cent tip on a cab ride or a $500 insurance premium. This provides us with some baseline spending data. Once shopaholics have a sense of where their money is going, the next step is to create a spending plan.

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Debt Settlement An important part of creating and using a spending plan is the distinction between needs and wants. Both are personally determined, but the two occupy different ends of the budgeting continuum. A multi-million dollar mansion and a modest bungalow both fulfill the requirement for shelter. Yet a shopaholic may consider the impressiveness of her home before considering financial reality, while most others would reverse these priorities. "Finances before features" must be the mantra of fiscal responsibility; as long as that's maintained, there's no shame in owning a lavish home.

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Debt Free Debt and savings are both needs and cannot be neglected in a spending plan. Your clients may be tempted to pay off as much debt as possible, at the cost of other needs, or perhaps to ignore savings altogether. This is not a balanced solution. To make sure that debt and savings are accounted for, both should be included in the spending plan; a balanced approach to financial recovery is the basis of shopping addiction counseling. Individuals may become frustrated that their debt will not be paid off immediately, but debt repayment is only one aspect of a new financial framework and a more balanced life. While there is an abundance-even an overabundance-of programs for credit counseling, debt consolidation, and repayment, these will not really help a shopaholic. Quick fix debt resolution may get your client out of an individual jam, but it doesn't address the whole person, the issues and patterns that got them indebted. Only a holistic approach can reduce the likelihood of recurrence.

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Consolidation Debt Service As the shopping addiction cycle is being broken, the emotions underlying it must be addressed. The underlying pain may result from a variety of conflicting emotions-loss, for example, or anger, jealousy, insecurity. Developmental issues in the family are often relevant. Everyone, after all, is influenced by the way his family handled money. Was it used to assert power? Was it taboo as a subject? Was it used to punish? Exploring the emotional side of the issue can be done within shopping addiction counseling or in traditional therapy. However it is accomplished, the integration of the emotional and behavioral sides is the comprehensive solution needed for lasting recovery.

Company Consolidation Debt Shopping addiction counseling is perhaps the most comprehensive approach to treatment, teaming specific behavior-changing techniques with careful attention to the precipitating emotions. It works best in combination with individual psychotherapy or couples or group therapy, as well as participation in Debtors Anonymous. Although not in large numbers, there are now practitioners throughout the country doing this type of work.

Consolidation Debt Online About The Author:

Consolidation Debt Free April Lane Benson, Ph.D. is a nationally known psychologist who specializes in the treatment of compulsive buying disorder. To receive her 3 Proven Strategies for Stopping Overshopping, visit http://www.stoppingovershopping.com.

Debt Problem

Credit Debt April Lane Benson, Ph.D., is a nationally known psychologist who specializes in the treatment of compulsive buying disorder. She has been in private practice in New York City for over 25 years. Dr. Benson graduated cum laude from Barnard College, Columbia University, and has earned a Master of Science in Counseling Psychology from Teachers College, Columbia University, and a Ph.D. in Psychology from Ferkauf Graduate School, Yeshiva University. She holds post-graduate certificates in Psychoanalytic Psychotherapy and Psychoanalysis from the Institute for Contemporary Psychotherapy, in the treatment of eating disorders from the Center for the Study of Anorexia and Bulimia, and in Spirituality and Psychotherapy from the Blanton-Peale Institute for Pastoral Counseling. Co-founder of the Center for the Study of Anorexia and Bulimia, the oldest outpatient eating disorders clinic in New York, Dr. Benson is also a faculty member, supervisor, and executive committee member there. She currently serves on the Board of Directors of the Institute for Contemporary Psychotherapy.

Advice Debt I Shop, Therefore I Am: Compulsive Buying and the Search for Self (Aronson, 2000), Dr. Benson's recent book, takes a multidisciplinary approach to the problem of compulsive buying. It includes contributions from the fields of sociology, consumer behavior, marketing, community education, psychology, and psychiatry.

Card Credit Debt Eliminate "Treatment of Compulsive Buying," her chapter in Addictions: A Practical Handbook (Wiley, 2004), reviews the forms of treatment that are currently available for compulsive buying disorder and suggests the most effective way to formulate a treatment plan. Dr. Benson's next book, Stopping Overshopping, will be based upon the successful, research-based 10-week treatment program.

Debt Recovery Dr. Benson has appeared widely in the media, most recently on "Good Morning America," the "Today Show," "ABC News Now," "BBC World Business Report," "Body and Soul" on NPR in Sweden, "The Business Shrink," "Your Turn," "Money Scope," "Love and Money," "The Dolens," "Your Money and Your Life," and in a documentary about "Shopping and Society" for Dutch Public Televisiongroup. Quoted in The New York Times Magazine, the Los Angeles Times, The Wall Street Journal, The Chicago Tribune, The Christian Science Monitor, and The Toronto Star, she has also been referenced in Money Magazine, Kiplinger Personal Finance, Simple Living, Vogue, Cosmopolitan, Harper's Bazaar, Redbook, Marie Claire, and a variety of internet publications.

Counseling Credit Debt Dr. Benson has taught therapists at a number of postgraduate institutes and college counseling centers about compulsive buying and its treatment. She offers an online course, I Shop Therefore I Am: Understanding and Treating Compulsive Buying. For details go to www.PsyBC.com. She also offers a workshop--"What Are We Shopping For?--for people who wish to explore their shopping behavior. She maintains a private practice in New York City. With the assistance of Ms. Marcela Torres and Dr. Kathleen Galek, Dr. Benson has created a ten-week group treatment program, Stopping Overshopping, which began in April, 2004. The next Stopping Overshopping group will begin in April, 2006.

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