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credity. Time to Get Help Do you ever wonder if there should be a 12 step program for people who have a problem with credit card debt? The idea might not be as ridiculous as it sounds. The 12 step program is one of the most successful therapy programs there is for helping people with addictions. And in a lot of ways, our love of credit and of buying things using our credit cards amounts to an addiction. And like people who are suffering with an addiction, many times the biggest step forward is when you recognize that you have a problem. Too often when someone has the beginnings of a credit card debt problem, there is a sense of ambivalence and just let it go because after all everybody does it. And when you have a problem that threatens to become a huge problem, that is no time to be lazy and decide to just let it continue because you think everybody does it. That attitude of oh well is exactly why the credit card companies are making record profits. If we all would get mad because they are enslaving our family budgets, we would rise up and throw them off and the world would change dramatically for us. But we can't fix the world. But you can fix our own world and start at home, with your own credit card addiction and maybe even use some of the principles of 12 step programs to get started. Most professionals who work with people needing 12 step programs will tell you that the biggest obstacle is getting the troubled person to know they are in trouble. We all live in a bubble where we tell ourselves and each other that �everything will be all right. 12 step programs use tough love to tell the people who come there that everything will NOT be all right unless they take steps to change their addictions because their addictions will destroy their lives. Well folks, we might need some tough love when it comes to us not taking action to fix our credit card debt problem before it destroys our lives.