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today_8 / total_425340




¼îÇÎÁßµ¶ ȸº¹ l ºÎäÁßµ¶ ȸº¹
¼îÇÎ/ºÎä 12´Ü°è ȸº¹
¼îÇÎ/ºÎä ȸº¹¹æ¼Û

¼îÇÎ/ºÎä Áßµ¶ 12´Ü°è ȸº¹


¼îÇÎÁßµ¶ÀÚµéÀº È­°¡ ³¯ ¶§³ª,
¡°´©±¸¸¦ ÇȾ÷Ç϶ó!¡±´Â º»ÀÎÀÌ ÇϱⰡ ½ÈÀº À̾߱⸸ µé¾îµµ~
¼îÇÎÇÒ Ã浿ÀÌ »ý°Ü³ª... ¹ÛÀ¸·Î ³ª°¡ ¹°°ÇÀ» »ç¾ßÇؼ­,
¸¶Ä¡ ¸¶¾àÀ̳ª ¾ËÄÚ¿Ã ¶Ç´Â µµ¹Ú Áßµ¶ÀÚó·³ ±âºÐÀÌ °íÁ¶µÇ°Å³ª ¼º±ÞÇÑ ÇൿÀ» º¸ÀÌ°Ô µÈ´Ù.

±×·¡¼­ 12´Ü°è ȸº¹ÀÛ¾÷ÀÌ ÇÊ¿äÇØÁø´Ù.

¼îÇÎ Áßµ¶Áõ»óÀº ³²¼ºº¸´Ù´Â ¿©¼º¿¡°Ô ´õ ¸¹Àº °æÇâÀ̸ç,
Á¾Á¾ ÇÊ¿äÇÏÁöµµ ¾ÊÀº ¹°°ÇµéÀ» ¸¶±¸ ±¸ÀÔÇؼ­...
»ç¿ëÇÏÁö ¾ÊÀº ä Áý¾È¿¡ °¨Ã߰ųª ÁÖÀ§ »ç¶÷µé¿¡°Ô Áֱ⵵ ÇÑ´Ù.

1. ¼îÇÎÁßµ¶°ú ¿ì¿ïÁõÀÇ °ü°è¼º


¼îÇο¡ ¹®Á¦°¡ ÀÖ´Â »ç¶÷µéÀº ±âºÐÀÌ °¡¶ó¾ÉÀ» ¶§±îÁö ¼îÇÎÀ» ÇØ¾ß Á÷¼ºÀÌ Ç®¸®°í, Á¾Á¾ Å©·¹µðÆ® Ä«µå Çѵµ¾×À» ´Ù »ç¿ëÇÒ ¶§±îÁö ¼îÇÎÀ» ÇÏ´Ù°¡´ÂÁßµ¶¿¡ óÇÑ´Ù.

À̵éÀº ¼îÇÎÀ» ÇÏ¸é ±âºÐÀÌ °è¼Ó ÁÁ¾ÆÁú °ÍÀ¸·Î ¹ÏÁö¸¸, ¼îÇÎÁßµ¶°ú °ú¼Òºñ ´ÙÀ½¿¡´Â ±âºÐÀÌ ´õ ³ª»Ú°Ô µÉ »ÓÀ̾~ ¼îÇÎÁßµ¶Àº ¾ËÄÚ¿Ã, µµ¹Ú, À½½ÄÁßµ¶°úµµ ±× Ư¡ÀÌ °°´Ù.

ƯÈ÷, ¼îÇÎÇàÀ§´Â µµ¹Ú°ú °°ÀÌ 12¿ù ¿¬¸» Holiday season µ¿¾È¿¡ »ý±â´Â ¿ì¿ïÁõ, ±Ù½É, °íµ¶ µîÀ» ÇؼÒÇϴµ¥ "°èÀýÀû ¹æÇâÁ¦(Seasonal balm)" ¿ªÇÒÀ» Çϱ⵵ ÇÑ´Ù.

±×·¡¼­ ¿¬¸»ÃàÁ¦ °èÀýÀÌ µÇ¸é 1³â ³»³» ¼îÇÎÇà°¢À» Àß ÀýÁ¦Çß´ø »ç¶÷µéµµ Àç¹ßµÉ À§ÇèÀÌ ¸¹´Ù. ÀÌ·¸°Ô ¸ðµç Áßµ¶Àº ¿ì¿ï, ¿Ü·Î¿ò, ºÐ³ë °¨Á¤ÀÌ ÀÖÀ» ¶§¿¡ ´õ Àç¹ßµÈ´Ù.

°á±¹, ¼îÇΰú °ú¼Òºñ´Â »ç¶ûÀ» È®½Å½ÃÄÑÁÖÁöµµ ¾Ê°í, ÀÚÁ¸½ÉÀ» ÁöÄÑÁÖÁöµµ ¾Ê°í, »óó, ÈÄȸ, ½ºÆ®·¹½º. ÀÏ»ó»ýÈ° ¹®Á¦µéÀ» ÇØ¼Ò ½ÃÄÑÁÖÁöµµ ¾Ê´Â´Ù.

2. ¿©¼º ¼îÇÎÀÚµéÀÇ Æ¯Â¡


ÈçÈ÷ ¿©¼º ¼îÇÎÁßµ¶ÀÚµéÀº ÀÇ·ù°¡ ¿Ê°ÉÀÌ¿¡ °¡µæÈ÷ °É·Á ÀÖÀ¸¸ç~ ÇÑ ¹øµµ ÀԾÁö ¾Ê¾Æ¼­ °¡°ÝÇ¥°¡ ±×´ë·Î ºÙ¾î ÀÖ´Â ¿Ê°¡ÁöµéÀÌ ¸¹´Ù. ¹°·Ð 1~2°¡Áö ¹°°Ç¸¸ ±¸ÀÔÇÒ Àǵµ·Î ¼îÇÎ ¸ô¿¡ °¡Áö¸¸... ÁýÀ¸·Î µ¹¾Æ¿Ã ¶§¿¡´Â ±¸ÀÔÇÑ ¹°°ÇµéÀÌ °¡µæÇÑ ¹éµéÀ» µé°í ¿Â´Ù.

½ÉÇÒ °æ¿ì ÀϺΠ¼îÇÎÁßµ¶ÀÚµéÀº ¾ËÄÚ¿Ã Áßµ¶ÀÚ¿Í °°ÀÌ Á¤¼­ÀûÀ¸·Î ¡°ÀϽÃÀû ±â¾ï·Â »ó½Ç(Black out)"À» °æÇèÇؼ­ ¹«½¼ ¹°°ÇµéÀ» ¿Ö ¶Ç »ç°Ô µÇ¾ú´ÂÁö¸¦ Åë ±â¾ïÇÏÁö ¸øÇÏ´Â °æ¿ìµµ ÀÖ´Ù.

°¡Á·À̳ª Ä£±¸µéÀÌ Áö³ªÄ£ ¼îÇο¡ ´ëÇؼ­ ºÒÆòÀ» Çϸé, ¼îÇÎÁßµ¶ÀÚµéÀº ÀÚ½ÅÀÇ ¹®Á¦¸¦ ºÎÀÎÇÏ°í ±¸ÀÔÇÑ ¹°°ÇµéÀ» °¨Ã߱⠽ÃÀÛÇÑ´Ù.

°úµµÇÑ ¼îÇÎÀ¸·Î »ý±ä Å©·¹µðÆ® Ä«µå ºúÀ» Á¦¶§ °±Áö ¸øÇϸé ÀÚ¿¬ ½Å¿ëµî±ÞÀÌ ¶³¾îÁ® Ä÷º¼Ç ±â°ü¿¡¼­ ȸ¼ö¿¡ ³ª¼­±â ¶§¹®¿¡ ¹ý·üÀû, »çȸÀû, ¹× °ü°èÀûÀÎ ¹®Á¦µµ ´ëµÎµÉ ¼ö ÀÖ´Ù. ¼îÇÎÁßµ¶ÀÚµéÀº °¡Á· ¸ð¸£°Ô ºúÀ» °±¾Æ¾ß¸¸ ÀÚ½ÅÀÇ ¹®Á¦¸¦ ÀºÆóÇÒ ¼ö Àֱ⠶§¹®¿¡ °ú¿Ü·Î ÀÏÀ» Çϱ⵵ ÇÑ´Ù.

3. ¼îÇÎÁßµ¶ ¿¹¹æ°ú Ä¡·á


°ú¼Òºñ Áßµ¶ÀÚµéÀº ¼îÇÎÁßµ¶ ¹®Á¦¸¦ Àß ¾Æ´Â Àü¹® »ó´ãÀÚÀÇ µµ¿òÀ» ¹Þ°Å³ª, 12´Ü°è Áßµ¶ ȸº¹¸ðÀÓ¿¡ Âü¼®ÇÏ´Â °ÍÀÌ ÁÁ´Ù.

Áßµ¶ÇàÀ§µéÀº µ¿½Ã´Ù¹ß·Î ³ªÅ¸³ª´Â °æÇâÀ̾ À½½ÄÁßµ¶, ¸¶¾à, ¾ËÄÚ¿Ã, ¶Ç´Â µµ¹Ú¿¡ ¹®Á¦°¡ ÀÖ´Â »ç¶÷µé¿¡°Ôµµ ¼îÇÎÁßµ¶¿¡ ¹®Á¦°¡ µÉ ¼ö ÀÖ´Ù.

¼îÇÎÁßµ¶ ¿¹¹æ¿¡ µµ¿òÀÌ µÉ 9 °¡Áö ¼öÄ¢µéÀº ´ÙÀ½°ú °°´Ù.

  1. ÇöÂû, ¼öÇ¥, ´ëºø Ä«µå·Î¸¸ ¹°°ÇµéÀ» ±¸ÀÔÇضó
    (Pay for purchases by cash, check, debit card)

  2. ¼îÇθñ·ÏÀ» ÀÛ¼ºÇÏ°í ¸ñ·Ï¿¡ ÀûÇô ÀÖ´Â ¹°°Çµé¸¸ ±¸ÀÔÇضó
    (Make a shopping list and only buy what is on the list)

  3. ºñ»ó¿ëÀ¸·Î »ç¿ëÇÒ Ä«µå Çϳª¸¸ ³²°ÜµÎ°í ¸ðµç Å©·¹µðÆ® Ä«µåµéÀº ÆıâÇضó
    (Destroy all credit cards except one to be used for emergency only)

  4. ÇÒÀÎ µµ¸ÅÁ¡µéÀ» ÇÇÇÏ°í, ±×·± °÷¿¡ °¡´õ¶óµµ ¹Ì¸® »ç¿ëÇÒ µ·ÀÇ Çѵµ¸¦ Á¤Çضó
    (Avoid discount warehouses. Allocate only a certain amount of cash to be spent if you do visit one)

  5. »óÁ¡ÀÌ ¹®À» ´ÝÀº ´ÙÀ½¿¡ À©µµ¿ì ¼îÇθ¸ ÇÏ°í, ºÎµæÀÌ ³·¿¡ À©µµ¿ì ¾ÆÀÌ ¼îÇÎÀ» ÇÏ·¯ °¥ ¶§¿¡´Â µ·Áö°©Àº Áý¿¡ ³õ¾ÆµÎ°í ³ª°¡¶ó
    ("Window shop" only after stores have closed. If you do "look" during the day, leave your wallet at home)

  6. ÀÏü ij´õ·Î±×¸¦ º¸°í ÀüÈ­ ÁÖ¹®À» ÇÏÁö ¸»°í, ¼îÇÎ ¾È³»Ã¤³Îµµ ½ÃûÇÏÁö ¸» ¾î¶ó
    (Avoid phoning in catalog orders and don't watch TV shopping channels)

  7. Ä£±¸³ª ģôÀ» ¹æ¹®ÇÏ·¯ ¿©ÇàÀ» ¶°³¯ ¶§¿¡´Â ¹Ì¸® ¼±¹°À» ÁغñÇؼ­ Æ÷Àå±îÁö ÇØ°¡ ¶ó. ¹æ¹® Áö¿ª¿¡¼­ ¼±¹°À» »ç°Ô µÇ¸é ¸¹Àº ¹°°ÇµéÀ» ±¸ÀÔÇÒ ¿ì·Á°¡ Àֱ⠶§¹® ÀÌ´Ù
    (If you're traveling to visit friends or relatives, have your gifts wrapped and call the project finished; people tend to make more extraneous purchases when they shop outside their own communities)

  8. ¼îÇÎÀ» ÇÏ°í ½ÍÀº Ã浿ÀÌ »ý±æ ¶§¿¡´Â ´ë½Å »êº¸¸¦ Çϰųª ¿îµ¿À» ÇغÁ¶ó
    (Take a walk or exercise when the urge to shop comes on)

  9. ÅëÁ¦·ÂÀ» »ó½ÇÇϰųª ±×·² ±âºÐÀÌ µÇ¸é ÇÊ¿äÇÑ »ó´ãÀ» ¹Þ°Å³ª ºÎä Áßµ¶ÀÚ ¸ðÀÓ°ú °°Àº 12´Ü°è ȸº¹¸ðÀÓ¿¡ Âü¿©Çضó
    (If you feel out of control, you probably are. Seek counseling or a support group such as 12 Steps Debtors Anonymous)

4. ¼Òºñ/¼îÇÎÁßµ¶ Áõ»ó (Spending/shopping addiction symptoms)

  1. ½Ç¸Á°¨, ºÐ³ë½É, ¶Ç´Â °øÆ÷½É¸®°¡ ¼îÇÎ, ¶Ç´Â ±ÝÀü ³¶ºñ¸¦ ÀÚ±Ø ÇÑ´Ù
    (Shopping or spending money as a result of being disappointed, angry or scared)

  2. ¼îÇÎ ¹× ¼Òºñ ½À°üµéÀÌ Á¤¼­Àû °íÅëÀ̳ª »îÀÇ ¾î·Á¿òµéÀ» ¾ß±â ÇÑ´Ù
    (Shopping/spending habits causing emotional distress or chaos in one's life)

  3. ¼îÇÎÀ̳ª ¼Òºñ ½À°ü ¶§¹®¿¡ ÁÖÀ§ »ç¶÷µé°ú ÀÚÁÖ ´ÙÅõ°Ô µÈ´Ù
    (Having arguments with others regarding shopping or spending habits)

  4. ½Å¿ëÄ«µå°¡ ¾øÀ¸¸é °¨Á¤ÀÌ »ó½Ç µÈ ±âºÐÀÌ´Ù
    (Feeling lost without credit cards)

  5. ÇöÂû·Î »ì ¼ö ¾øÀ» ¶§´Â ½Å¿ëÄ«µå¸¦ »ç¿ëÇϸ鼭±îÁö »óÇ°À» ±¸ÀÔ ÇÑ´Ù
    (Buying items on credit cards that would not be bought with cash)

  6. ¹°°ÇÀ» ±¸ÀÔÇϰųª µ·À» ³¶ºñÇÒ ¶§¿¡ µµÃë°¨Á¤°ú ÇÔ²² ±Ù½É °ÆÁ¤µµ »ý±ä´Ù
    (Spending money causes a rush of euphoria and anxiety at the same time)

  7. °ú¼Òºñ ¶Ç´Â ¼îÇνÿ¡ ¹«¸ðÇϰųª ±ÝÁöµÈ ÇൿÀ» ÇÏ´Â °Í°ú °°Àº °¨Á¤À» ´À³¤´Ù
    (Spending or shopping feels like a reckless or forbidden act)

  8. ¼îÇÎ, ¶Ç´Â °ú¼Òºñ¸¦ ÇÑ ÈÄ¿¡ ÁËÀǽÄ, ¼öÄ¡½É, ¹«¾È, ¶Ç´Â È¥µ·°¨ µîÀÌ »ý±ä´Ù
    (Feeling guilty, ashamed, embarrassed or confused after shopping or spending money)

  9. ±¸ÀÔÇÑ ¹°°ÇÀ» ÀüÇô »ç¿ëÇÏÁö ¾Ê´Â´Ù
    (Many purchases are never used)

  10. ¹«½¼ ¹°°ÇÀ» ±¸ÀÔÇß°í ¾ó¸¶¸¦ ÁöÃâÇß´ÂÁö¿¡ ´ëÇؼ­ »ç¶÷µé¿¡°Ô °ÅÁþ¸»À» ÇÑ´Ù
    (Lying to others about what was bought or how much was spent)

  11. µ·¿¡ ´ëÇؼ­ Áö³ªÄ¡°Ô »ý°¢ ÇÑ´Ù
    (Thinking excessively about money)

  12. °ú¼Òºñ ±Ý¾×À» º¯Á¦Çϱâ À§Çؼ­ ÀºÇ౸ÁÂ¿Í ¹°Ç°±¸ÀÔ ÁöºÒû±¸¼­µé¿¡ ÀÜÀçÁÖ¸¦ ºÎ¸®´Âµ¥ ¸¹Àº ½Ã°£À» ¼Òºñ ÇÑ´Ù
    (Spending a lot of time juggling accounts and bills to accommodate spending)

5. ¼îÇÎÁßµ¶ÀÚ³ª °¡Á·µéÀÌ ½ÃµµÇØ º¼ ¼ö ÀÖ´Â »çÇ×µé


¼îÇÎÁßµ¶ÀÚ³ª ±× °¡Á·µéÀÌ "º¯È­½Ãµµ¸¦ ÇØ º¼ ¼ö ÀÖ´Â »çÇ×µé(Suggestions for change)"Àº ´ë·« ´ÙÀ½°ú °°ÀÌ 9 °¡Áö·Î ¿ä¾à ÇÒ ¼ö ÀÖ´Ù.

  1. ¼îÇÎ ½ÃÇèÀ» Ãà¼Ò½ÃÄѶó!
    (Reduce shopping temptations)

  2. Çöó½ºÆ½ Ä«µåµéÀ» °¡À§·Î À߶ó¹ö¸®°í, ¸ÕÀú ¾²°í ³ªÁß¿¡ °±À¸¶ó´Â ±¸ÁµéÀ» ¸ðµÎ ¾ø¾Ö°í, Å©·¹µðÆ® Ä«µå Á¦Àdzª ÁýÀ» ´ãº¸·Î À¶ÀÚÇØÁÖ°Ú´Ù´Â ÆíÁöµéÀº Âõ¾î ¹ö·Á¶ó!
    (Cut up plastic; close charge accounts; rip up credit card offers and home equity applications!)

  3. »óÁ¡À¸·Î ¹°°ÇÀ» »ç·¯°¡±â Àü¿¡ ±¸ÀÔ¸ñ·ÏÀ» ÀÛ¼ºÇؼ­, ´ÜÁö ÇÊ¿äÇÑ ¹°°Çµé¸¸ »ç¸ç, ½Å·ÚÇÒ¸¸ÇÑ Ä£±¸¿Í ÇÔ²² ¼îÇÎÀ» ÇÏ´Â °Íµµ µµ¿òÀÌ µÈ´Ù!
    (Make lists before going to the store; buy what you need only - take a trusted friend!)

  4. ±¸ÀÔÇϱâ Àü¿¡ °¡´ÉÇÑ ¿©·¯ ½Ã°£µ¿¾È ±â´Ù·Á ºÁ¶ó!
    (Wait so many hours before purchase!)

  5. ´ç½ÅÀº ±× ¹°°ÇÀ» ÇÊ¿ä·Î ÇÏ´ÂÁö, ¶Ç´Â ±×³É °®°í ½ÍÀº °ÍÀÎÁö¸¦ ±¸º°ÇØ ºÁ¶ó!
    (Do you need this, or do you just want it?)

  6. Á¤¼­°¨Á¤À» ´Ù¸¥ ¹æ¹ýµé·Î ó¸®ÇÏ´Â ¹ýÀ» °³¹ßÇضó!
    (Develop other ways to handle emotions!)

  7. Àç¹Ì³­ ÀϵéÀ» °³¹ßÇضó!
    (Develop fun things to do!)

  8. ¹°°ÇÀ» »ç°í ½ÍÀº Ã浿°ú ¼±ÀÔ°üµéÀ» ´Þ·¡´Â ¹æ¹ýµéÀ» ¹è¿ö¶ó!
    (Learn to ride through urges and preoccupations!)

  9. »óÁ¡ ¾È¿¡¼­ÀÇ ½À°üµéÀ» ´Ù¸£°Ô °³¹ßÇضó!
    (Develop habits in stores !)

6. ºÎä Áßµ¶ÀÚ È¸º¹¸ðÀÓ Âü¿© - ȸº¹ »ç¿¬


* ºñ·Ï ¹Ì±¹¿©¼ºÀÇ »ç¿¬ÀÌÁö¸¸...
ÇÑÀÎ °¡Á¤¿¡µµ ÀÌ¿Í °°Àº »ç¿¬µéÀº ¸¹À» °ÍÀÌ´Ù.

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¾ÆÆÄÆ® ·»Æ®¿ÍÀü±â¼¼´Â Á¦¶§ ¸ø ³»¸é¼­µµ, ¹°°ÇµéÀ» »ç´Â µ¥´Â °è¼Ó µ·À» ³¶ºñÇÏ°í ÀÖ¾ú´Ù. °á±¹ ³ª´Â ´Ù½Ã ºÎ¸ð ÁýÀ¸·Î µé¾î°¥ ¼ö¹Û¿¡ ¾ø¾úÀ¸¸ç, À̶§ºÎÅÍ °ú¼Òºñ¸¦ Áß´ÜÇÏ·Á´Â ³ë·ÂµéÀ» ÇØ ºÃÁö¸¸~ ³ªÀÇ ÀÌ·± ÂüÀ½Àº ¿À·¡°¡Áö¸¦ ¸øÇß´Ù.

¿ÂÁ¾ÀÏ ¼îÇÎÀ» ÇÏ´À³Ä°í ÀÚÁÖ Á÷Àå¿¡¼­ ÀÚ¸®¸¦ ºñ¿ì´Ù°¡~ °á±¹ ÇØ°í µÇ¾úÀ» ¶§¿¡¼­¾ß... Àü¹® ȸº¹µµ¿òÀ» ±¸ÇÏ°Ô µÇ¾ú°í, Áö±ÝÀº ¼º°øÀûÀÎ »îÀ» »ì°í ÀÖÀ¸¸ç, ºúµµ ¼­¼­È÷ °±°í ÀÖ´Â ÁßÀÌ´Ù. ³» ³ªÀÌ 28»ìÀÌ µÇ¾î¼­¾ß... ³ª Àڽſ¡°Ô ¼îÇÎÁßµ¶¹®Á¦°¡ ÀÖ´Â »ç¶÷ÀÎÁö¸¦ °Ü¿ì ¾Ë¾Ò°í, ȸº¹ÀÛ¾÷À» ÅëÇؼ­ ³» ÀÚ½ÅÀ» ÁÁ¾ÆÇÏ°Ô µÇ¾ú´Ù.

* ÀÌ »ç¿¬¿¡¼­µµ... ´Ù¸¥ Áßµ¶ÀÇ °æ¿ì¿Í °°ÀÌ ¼îÇÎÁßµ¶ÀÚÀÇ ¾Ë¸®¹ÙÀÌ¿Í °ÅÁþ¸»·Î... ºÎ¸ðµéÀº ÃʱâºÎÅÍ ¼îÇι®Á¦¸¦ ¾Ë ¼ö ¾ø¾ú°í, °¡Á·µéÀÌ ´«Ä¡¸¦ ëÀ» ¶§¿¡´Â ¿©·¯ ±¸½Ç·Î ÁýÀ» ³ª°¡¼­ »ýÈ°À» ÇÏ´Ù°¡... ·»Æ®ºñµµ °¨´çÇÒ ¼ö ¾øÀ» Á¤µµ·Î ¼îÇÎÀÌ ½ÉÇØÁ³À» ¶§¿¡´Â... ´Ù½Ã ºÎ¸ðÀÇ ÁýÀ¸·Î µé¾î¿Í¼­ »ýÈ°À» ÇÏÁö¸¸... °è¼ÓµÈ ¼îÇÎÀ¸·Î Á÷Àå¿¡¼­ ÇØ°íµÇ´Â "À§±â(Crisis)"¸¦ ¸Â¾Æ¼­¾ß °Ü¿ì ȸº¹»ý°¢À» ÇÏ°Ô µÈ °ÍÀ» º¼ ¼ö ÀÖ´Ù.

±×·¡¼­ Áßµ¶Áõ ȸº¹ ½ÃÀÛÀº "À§±â°¡ Àû±â" ¶ó´Â ¸»µéÀ» ÇÏ´Â °ÍÀÌ´Ù.

7. °ú¼Òºñ Áßµ¶ ´ëó ¹æ¹ý 5 °¡Áö


½É¸®ÇÐÀÚÀÎ April Benson ¹Ú»ç´Â ¼îÇÎÀÚ°¡ ¼îÇÎÇÏ°í ½ÍÀ» ¶§¿¡... ±× Ã浿À» ÀÚÁ¦½Ãų ¼ö ÀÖ´Â ´ëó¹æ¹ý 5 °¡Áö¸¦ ´ÙÀ½°ú °°ÀÌ Á¦½ÃÇß´Ù.

  1. ¹«¾ùÀΰ¡ ³»°Ô À߸øµÇ¾î °¡°í ÀÖÀ½À» ÀÎÁ¤Çضó!
    (Admit something's wrong)

    ´ç½ÅÀÇ ¿ÊÀåµéÀ» °¡Á·¿¡°Ô ¿­¾î º¸ÀÏ ¼ö ¾ø°í, Å©·¹µðÆ® Ä«µåÀÇ »ç¿ëÇѵµ ¾×¼ö¸¦ ´Ù »ç¿ëÇعö·È°Å³ª, ¶Ç´Â ´ç½ÅÀÇ ±¤±âÀûÀÎ ¼ÒºñÇàÀ§¸¦ ÀºÆóÇØ¾ß ÇÒ Á¤µµÀ̸é, ´ç½Å¿¡°Ô´Â ÀÌ¹Ì ¼îÇÎÁßµ¶ ¹®Á¦°¡ ÀÖ´Â °ÍÀ¸·Î ºÁ¾ß ÇÑ´Ù. ÀÌ·± »óȲ¿¡¼­ ´ç½ÅÀÌ Á¦ÀÏ ¸ÕÀú ÇÊ¿¬ÀûÀ¸·Î Á÷¸éÇØ¾ß ÇÒ ÀÏÀº ´ç½ÅÀº °¡Á·µéÀÇ ¡°È¸º¹°£¼·(Intervention)¡±ÀÌ ÇÊ¿äÇÏ´Ù´Â »ç½ÇÀ» ÀÎÁ¤ÇÏ°í ¹Þ¾ÆµéÀÌ´Â °ÍÀÌ´Ù.


  2. ÀÚ½ÅÀÇ ±Ùº» ¹®Á¦µéÀ» »ìÆìºÁ¶ó! (Examine the problem)

    ´ç½ÅÀº °£È¤ ¼Òºñ¸¦ ÇÏÁö¸¸, ÇÑ ¹ø¿¡ µ·À» ¸¹ÀÌ ¿Õâ ¾¹´Ï±î? ¶Ç´Â, Å©·¹µðÆ® Ä«µåµéÀ» ÀÌ°ÍÀú°Í ¸¶±¸ »ç¿ëÇϸ鼭 °è¼Ó ¸¹Àº ¹°°ÇµéÀ» »ð´Ï±î? ÀüÀÚÁ¦Ç°, À½½Ä, º¸¼®, °ñÇÁ ¿ëÇ° µî ¾î´À ƯÁ¤ Ç°¸ñÀ» ¿­±¤ÀûÀ¸·Î ±¸ÀÔÇմϱî? ÀÌ·± ¼ÒºñÇàÀ§¸¦ ¹þ¾î³ª·Á¸é, ¡°´ç½ÅÀÇ ¾î¶² ±Ùº»ÀûÀÎ ¹®Á¦ºÎÅÍ ÀÎÁ¤À» Çؾ߸¸ ÇÑ´Ù.¡±


  3. ¼îÇÎ °¨Á¤À» È®ÀÎÇØ ºÁ¶ó! (Name the feelings)

    ´ç½ÅÀº ¹«¾ùÀ» À§Çؼ­ ¼îÇÎÀ» ÇÏ´Â °Í °°½À´Ï±î? ´ç½ÅÀÇ ¿¡°í¸¦ Á¶ÀåÇϱâ À§Çؼ­? ¿ì¿ïÁõÀ» °æ°¨½ÃÅ°±â À§Çؼ­? »ç¶ûÇÏ´Â ¹è¿ìÀÚ¿¡°Ô °ü½ÉÀ» ²ø±â À§Çؼ­? ´ç½ÅÀÇ Ã¢ÀǼºÀ» º¸À̰ųª ÀÚ½ÅÀ» Ç¥ÇöÇÏ´Â ¾î¶² ÇüÅ ¶§¹®¿¡? ¼îÇθô¿¡ °¡¼­ Àֱ⸸ Çصµ °íµ¶°¨ÀÌ Æí¾ÈÇØÁ®¼­? ´ç½ÅÀÌ ¼îÇÎÀ» ÇÏ°Ô µÇ´Â ÀÌÀ¯µéÀ» ¸ÕÀú È®ÀÎÇؾ߸¸... ±×·¯ÇÑ ¿å±¸µéÀ» ÃæÁ·½Ãų ¼ö ÀÖ´Â ´Ù¸¥ ´ëÄ¡, ¶Ç´Â ´ëó ¹æ¹ýµéµµ ã¾Æº¼ ¼ö ÀÖÀ» °ÍÀÌ´Ù.


  4. ´ç½ÅÀÇ ½Ã°£³¶ºñ¸¦ Á¡°ËÇغÁ¶ó! (Look at your time)

    ¼ÒºñÁßµ¶ÀÚµéÀº °æÁ¦Àû ¾î·Á¿ò ±× ÀÌ»óÀÇ ¹®Á¦µéÀ» Á÷¸éÇÏ°Ô µÈ´Ù. °ú¿¬ ¹°°ÇÀ» »ç·¯ ¶Ç´Â ¹ÝȯÇÏ·¯ ¹éÈ­Á¡¿¡ µé¸£°Å³ª ¿Â¶óÀλ󿡼­ °¡Àå ÁÁÀº °Å·¡(Deal)¸¦ ã±â À§Çؼ­ ¿©·¯ »çÀÌÆ®µéÀ» ¹æ¹®Çϴµ¥ ¾ó¸¶³ª ¸¹Àº ½Ã°£À» ¼ÒºñÇÏ´Â Áö¸¦ ½º½º·Î ÀÚ¹®ÇØ ºÁ¶ó. ½ÇÁ¦·Î ´ç½ÅÀº ¼îÇÎÀÌ¿Ü¿¡ ´Ù¸¥ ºÐ¾ß¿¡¼­µµ »îÀÇ ÁúÀ» °³¼±ÇÏ·Á°í ¼îÇο¡¼­ ¸¸Å­ ¸¹Àº ½Ã°£À» º¸³¾ ¼ö ÀÖÀ»±î?¸¦ Á¡°ËÇØ ºÁ¾ß ÇÑ´Ù.


  5. ´ç½ÅÀÇ ½Ä°ß ¹üÀ§¸¦ ³ÐÇô¶ó! (Open your horizons)

    ¸¸¾à ´ç½Å¿¡°Ô ÀÇ·ù¸¦ ¸¹ÀÌ »çµéÀÌ´Â ¹®Á¦°¡ ÀÖ´Ù¸é, ¿©¼º¿¡°Ô Á÷¾÷À» °®°Ô µµ¿ÍÁÖ´Â ÇÁ·Î±×·¥ÀÎ Dress for Success ¿Í °°Àº °÷¿¡ ÄÁ¼³ÅÏÆ®·Î ÀÚ¿øºÀ»ç ÀÏÀ» ÇÒ ¼öµµ ÀÖ´Ù. ´ç½ÅÀÌ Ã游ÇÑ »îÀ» »ì¾Æ°¡¾ß¸¸ ÇÑ´Ù¸é... ÁøÁ¤ÇÑ ºÎÀÇ °¡Ä¡´Â 500 ÄÓ·¹ÀÇ ±¸µÎ³ª 100 ¿©¹úÀÇ ¿Ê¿¡ ÀÖ´Â °ÍÀÌ ¾Æ´Ï¶ó, ´ç½ÅÀÇ ¿µÈ¥À» Ã游ÇÏ°Ô ÇØÁÖ´Â µ¥ ÀÖ´Ù.

8. ¼îÇÎÁßµ¶ ÀÚ°¡Á¡°Ë ÁúÀǹ® 6 °¡Áö


¼îÇι®Á¦°¡ ÀÖ´Â »ç¶÷Àº, ¹Ì±¹¿¡ »ìµç Çѱ¹¿¡ »ìµç, ¹Ì±¹ÀÇ 2 õ¸¸ ¸íÀ̳ª Çѱ¹ÀÇ 7¹é¸¸ ¼îÇÎÁßµ¶ÀÚ Áß¿¡ 1 »ç¶÷ÀÏ °ÍÀÌ´Ù. ÀÚ½ÅÀÇ ¼îÇÎÁßµ¶ ¿©ºÎ¸¦ ´ÙÀ½°ú °°Àº 6 °¡Áö ÀÚ°¡Á¡°Ë ÁúÀǹ®À» ÅëÇؼ­´õ ¼¼ºÎÀûÀ¸·Î °¨ÁöÇØ º¼ ¼ö ÀÖ´Ù.

  1. ´ç½ÅÀº ¿ì¿ïÇÑ ±âºÐÀ» Áï½Ã ÇؼÒÇϱâ À§Çؼ­ ¼îÇÎÀ» Çմϱî?
    (Do you use shopping as a quick fix for the blues)

  2. ´ç½ÅÀº °¨´çÇÒ ¼ö ÀÖ´Â ÇѰ踦 ÃÊ¿ùÇϸ鼭±îÁö ¼ÒºñÇà°¢À» Çմϱî? (Do you spend more than you can afford)

  3. ±¸ÀÔÇÑ ¹°°ÇÀÇ ÀϺθ¦ ÀüÇô »ç¿ëÇÏÁö ¾Ê°Å³ª ¼û±é´Ï±î?
    (Are some of your purchases unused or hidden)

  4. ´ç½ÅÀÇ ¼îÇÎÇàÀ§¿¡ ´ëÇؼ­ ÁËÀǽÄÀ̳ª ¼öÄ¡½ÉÀ» ´À³§´Ï±î?
    (Do you feel guilty or ashamed about this behavior)

  5. ¼îÇÎÀ» ´ú Çß´õ¶ó¸é ´ç½ÅÀÇ »îÀÌ ´õ ºÎÀ¯ÇØÁ³À» °ÍÀ̶ó´Â »ý°¢À» Çմϱî?
    (Would your life be richer if you were shopping less)

  6. ´ç½ÅÀº ¼îÇÎÇà°¢À» º¯È­½ÃÄѺ¸·Á°í ÇÑ ½ÃµµµéÀÌ ½ÇÆÐÇß½À´Ï±î?
    (Have your attempts to change been unsuccessful)

9. ¼îÇÎ/ºÎäÁßµ¶ÀÚ È¸º¹±â°üµéÀÇ È¸º¹ÇÁ·Î±×·¥ ÃÊÁ¡ »çÇ×µé


¹Ì±¹¿¡´Â 12´Ü°è ȸº¹¸ðÀÓÀº ¹°·Ð ¿Â¶óÀΠȸº¹±â°üµµ ÀÖ°í, ´õ·¯´Â 10ÁÖ°£ ÀÔÁÖ ¹× »ó´ã Ä¡·á±â°üµµ ÀÖ´Ù. °øÅëÁ¡Àº ÀÌµé ¸ðµÎ°¡ ´ÙÀ½ 13 °¡Áö¿Í °°Àº ¹æ¹ýµé·Î... ±×·ìÂ÷¿ø¿¡¼­ Âü¼®ÀÚµé °£¿¡ ¼îÇι®Á¦ÇàÀ§µéÀ» Á¦°ÅÇϴµ¥ µµ¿òÀÌ µÉ ¼ö Àִ ƯÁ¤ ±â±³, ¼ö´Ü, Àü·« µîÀ» üÇèÀûÀ¸·Î ÇнÀÇϵµ·Ï Â¥ÀÎ ÇÁ·Î±×·¥µéÀ» Àû¿ëÇÏ°í ÀÖ´Ù.

  1. ¹°Ç° ij´õ·Î±×, TV, ÀÎÅÍ³Ý µîÀ» ÀýÁ¦ ½ÃÅ°°í, ȸº¹º®µ¹À» ÇϳªÇϳª ½×¾Æ¿Ã¸®°Ô ÇÑ´Ù
    (Get control of catalog, TV, Internet, and brick-and-mortar venues)

  2. ¹®Á¦¼º ¼îÇÎÇàÀ§¸¦ ÇϳªÇϳª È®ÀÎ ½ÃŲ´Ù
    (Identify your individual problematic shopping behaviors)

  3. ¼îÇÎÇàÀ§ÀÇ ´Ü¼­, ¹ß¹ß¿äÀÎ, ¹ÝÀÀ, ¹× °á°ú µîÀ» ¹ß°ß Çϵµ·Ï µ½´Â´Ù
    (Discover cues, triggers, responses, and consequences)

  4. °³ÀÎ ¼îÇÎ Àϱ⸦ °è¼Ó ÀÛ¼ºÇÏ°Ô ÇÑ´Ù
    (Keep a personal Shopping Diary)

  5. ¼öÀÔ°ú ÁöÃâÀ» °Ë»çÇؼ­ Çö½ÇÀûÀÎ ¼Òºñ°èȹÀ» ÀÛ¼ºÇÏ°Ô ÇÑ´Ù
    (Examine you expenditures and create a realistic Spending Plan)

  6. Á¤¼­°¨Á¤ ÇÊÅÍ¿Í À߸øµÈ µµÀüÀûÀÎ »ý°¢µéÀ» ºÐº°Çϵµ·Ï µµ¿ÍÁØ´Ù
    (Distinguish emotional filters and challenge dysfunctional thoughts)

  7. ¼îÇÎÀ» Áö¿øÇØÁÙ ÀýÄ£ÇÑ Ä£±¸¿Í ÇÔ²² Áö³»µµ·Ï ÇÑ´Ù
    (Work with a Shopping Support Buddy)

  8. ¹®È­ÀûÀÎ ¿ªÇÒÀ» ¹ß°ßÇÏ°í ¹Ìµð¾î¸¦ ÅëÇØ È¸º¹³»¿ëµéÀ» ¹ßÀü½ÃŲ´Ù
    (Discover the role of culture and develop media literacy)

  9. µ· ÁöÃâÀ» ±â·ÏÇÏ°í ³»¿ªÀ» »ìÆ캸µµ·Ï ÇÑ´Ù
    (Write a Money Memoir and a Money Dialogue)

  10. ¸¶À½¿¡ Ã游ÇÔÀ» °³¹ß½ÃÄѼ­ ±âº»ÀûÀÎ ¼ö¶ôÀ» ÇÏ°Ô ÇÑ´Ù
    (Develop mindfulness and practice Radical Acceptance)

  11. ÀϽÃÀûÀÎ ¼îÇÎÃ浿µéÀ» ¶Ù¾î ³Ñ°Ô ÇÏ¿© Àç¹ß ¹æÁö¸¦ Ã˱¸½ÃŲ´Ù
    (Negotiate lapses and prevent relapse)

  12. ȸº¹±×·ìÀÇ Èû°ú Á¤½ÅÀ» ³»¸éÈ­½ÃŲ´Ù
    (Internalize the power and spirit of the group)

  13. ¼îÇÎÀÚÀÇ ÁøÁ¤ÇÑ ¿å±¸µéÀ» ÃæÁ·½Ãų ¼ö ÀÖ´Â »îÀÇ °íÃë¹æ¹ýµéÀ» °³¹ß½ÃŲ´Ù
    (Cultivate life-enhancing ways to meet your authentic needs)

10. ºÎä Áßµ¶ÀÚ È¸º¹¸ðÀÓ°ú 12 ´Ü°è ¿ø¸®


ºÎä Áßµ¶ÀÚ È¸º¹¸ðÀÓ

ºÎäÀÚ È¸º¹¸ðÀÓÀº 1976³â¿¡ ¾ËÄÚ¿Ã Áßµ¶ÀÚ È¸º¹¸ðÀÓÀÇ ÇÑ È¸¿ø¿¡ ÀÇÇؼ­ ºÎäÀÚ È¸º¹¸ðÀÓ(DA)ÀÌ Çü¼º µÇ¾ú´Ù. ±× ÈÄ 10³âÀÌ Áö³­ 1980³â´ë¿¡´Â ¸Å¿ù 5°³ÀÇ ºÎäÀÚ È¸º¹¸ðÀÓÀÌ »ý°Ü³¯ Á¤µµ·Î ¼ºÀåµÇ¾ú°í, ºÎäÀÚ È¸º¹¸ðÀÓÀº ¾ËÄڿà ȸº¹¸ðÀÓ¿¡¼­ Àû¿ëÇÏ´Â 12´Ü°è¿Í ȸº¹ µµ±¸µéÀ» »ç¿ëÇؼ­, °ú´ÙÁöÃâÀ» È®ÀÎÇÏ°í, ÁöÃâ°èȹÀ» ¼¼¿ì´Â °Í°ú °°Àº ½ÇÁúÀûÀÎ µµ¿òÀ» Á¦°øÇÔÀº ¹°·Ð~ °ÅºÎ¹ÝÀÀÀ¸·Î ÀÏ°üÇϴ ȸº¹ Âü¼®ÀÚµé °£¿¡ ¼­·Î ÀڽŵéÀÇ Çö½ÇµéÀ» ´ëÁú(Confrontation) Çϵµ·Ï ÇÑ´Ù.

ºÎäÁßµ¶Àº Ÿ°í³­ »ýüÇÐÀû °áÇÔÀº ¾Æ´Ñ °ÍÀ¸·Î ¾Ë·ÁÁ®¼­, ºÎä ȸº¹¸ðÀÓ Âü¿©ÀÚµéÀº ÁÖ·Î ¼º°ø¿¡ ´ëÇÑ µÎ·Á¿ò, Ã¥ÀÓ°¨¿¡ °üÇÑ µÎ·Á¿ò°ú °°Àº ½É¸®Àû ¹®Á¦µéÀ» ´Ù·ç°Ô Çؼ­, ¡°°¨Á¤º¯È­ Ãß±¸¸¦ À§Çؼ­¡± ±×¸®°í ¡°¹®Á¦µéÀ» ÇØ°áÇÏ·Á´Â ¿å±¸·Î¡± µ·À» »ç¿ëÇÏ´ÂÁö... ¿©ºÎ¿¡ ÃÊÁ¡À» µÎ°í ÀÖ´Ù.

½ÇÁ¦·Î ½É¸®ÇÐÀڵ鵵 µûºÐÇÔ, ±Ù½É, ºÐ³ë, ±â»Ý, ¶Ç´Â »óó¹ÞÀ» °Í¿¡ ´ëÇÑ µÎ·Á¿ò ¶§¹®¿¡ ¼îÇÎÀ» Áö³ªÄ¡°Ô ÇÏ´Â »ç¶÷µéÀÌ ¼ö¹é¸¸ ¸íÀ̳ª µÇ´Â °ÍÀ¸·Î º¸°í ÀÖ´Ù.

ºÎäÀÚ È¸º¹¸ðÀÓ - 12 ´Ü°è ¿ø¸®
(12 Steps of Debtors Anonymous)


1 ´Ü°è ¿ì¸®´Â ºÎäÇàÀ§ (°¡Á· - ÀÇÁ¸Áõ) ¿¡ ¹«±â·ÂÇßÀ¸¸ç ¿ì¸® »ýÈ°À» Á¤»óÀûÀ¸·Î ÇÒ ¼ö ¾ø°Ô µÇ¾úÀ½À» ±ú´Ý°í ½ÃÀÎÇÕ´Ï´Ù
(We admitted we were powerless over debt - that our lives had become unmanageable)
2 ´Ü°è ¿ì¸®´Â ¿ì¸®º¸´Ù ´õ À§´ëÇÑ ÈûÀÌ ¿ì¸®ÀÇ »ý°¢°ú »ýÈ°À» Á¤»óÀûÀ¸·Î µ¹¾Æ¿À°Ô ÇØ ÁÖ½Ç ¼ö ÀÖ´Ù°í ¹Ï½À´Ï´Ù
(Came to believe that a Power greater than ourselves could restore us to sanity)
3 ´Ü°è ¿ì¸®´Â ¿ì¸®°¡ ¹Ï´Â À§´ëÇÑ ÈûÀÇ º¸»ìÇǽɿ¡ ¿ì¸® ÀÚ½ÅÀÇ ÀÇÁö¿Í »îÀ» ¿ÏÀüÈ÷ ¸Ã±â±â·Î °á½ÉÇÕ´Ï´Ù
(Made a decision to turn our will and our lives over to the care of God as we understood Him)
4 ´Ü°è ¿ì¸®´Â µÎ·Á¿ò ¾øÀÌ ¿ì¸® ÀÚ½ÅÀÇ µµ´öÀû Àç°í»çÇ×µéÀ» È®ÀÎÇÕ´Ï´Ù(¼îÇÎ ¹× ºÎä¿¡ ¹®Á¦°¡ ÀÖ´Â »ç¶÷µéÀº ÀçÁ¤Àû Àç°íµµ Æ÷ÇÔ)
(Made a searching and fearless moral inventory of ourselves)
5 ´Ü°è ¿ì¸®ÀÇ À߸øµÈ »ç½ÇÀ» Çϳª´Ô, ¿ì¸® ÀÚ½Å, ±×¸®°í ´Ù¸¥ »ç¶÷¿¡°Ô ½ÃÀÎÇÕ´Ï´Ù
(Admitted to God, to ourselves, and to another human being the exact nature of our wrongs)
6 ´Ü°è ¿ì¸®´Â Çϳª´Ô²²¼­ ¸ðµç ¼º°Ý»ó ¾àÁ¡µéÀ» ¾ø¾Ö ÁÖ½Ç ¸ðµç Áغñ°¡ µÇ¾ú½À´Ï´Ù
(Were entirely ready to have God remove all these defects of character)
7 ´Ü°è ¿ì¸®´Â °âÇãÇÏ°Ô Çϳª´ÔÀÌ ¿ì¸®ÀÇ ºÎÁ·ÇÑ Á¡µéÀ» ¾ø¾Ö Áֽõµ·Ï °£Ã»ÇÕ´Ï´Ù
(Humbly asked Him to remove our shortcomings)
8 ´Ü°è ¿ì¸®°¡ ÇÇÇظ¦ ÁØ ¸ðµç »ç¶÷µéÀÇ ¸í´ÜÀ» ÀÛ¼ºÇؼ­ ±×µé ¸ðµÎ¿¡°Ô ±â²¨ÀÌ º¸»óÇÒ Áغñ¸¦ ÇÕ´Ï´Ù
(Made a list of all persons we had harmed and became willing to make amends to them all)
9 ´Ü°è ¿ì¸®°¡ Á÷Á¢ º¸»óÇÏ´Â °ÍÀÌ ±×µé¿¡°Ô »óó¸¦ ÁÙ °æ¿ì¸¦ Á¦¿ÜÇÏ°í´Â °¡´ÉÇÑ ¾îµð¿¡¼­³ª Á÷Á¢ º¸»óÇÕ´Ï´Ù
(Made direct amends to such people wherever possible, except when to do so would injure them or others)
10´Ü°è ¿ì¸®´Â °è¼Ó ÀÚ½ÅÀ» Á¡°ËÇØ ³ª¾Æ°¡¸ç À߸øÀÌ ÀÖ¾úÀ» ¶§¸¶´Ù Áï½Ã ½ÃÀÎÇÕ´Ï´Ù
(Continued to take personal inventory and when we were wrong promptly admitted it)
11´Ü°è ±âµµ¿Í ¸í»óÀ» ÅëÇؼ­ ÀǽÄÀûÀ¸·Î ¿ì¸®°¡ ¾Æ´Â Çϳª´Ô°ú ´õ¿í °¡±î¿öÁöµµ·Ï Èû¾²¸ç, Çϳª´ÔÀÇ ¶æÀ» ±ú´ÞÀ» ¼ö ÀÖ°í Çϳª´ÔÀÇ ¶æÀ» ½ÇÇàÇÒ ´É·ÂÀ» ±¸ÇÏ´Â ±âµµ¸¦ ÇÕ´Ï´Ù
(Sought through prayer and meditation to improve our conscious contact with God as we understood Him, praying only for knowledge of His will for us and the power to carry that out)
12´Ü°è ÀÌÀü ȸº¹ ´Ü°èµéÀÇ °á°ú·Î ¿µÀûÀ¸·Î °¢¼º µÇ¾úÀ¸¹Ç·Î, ´Ù¸¥ ºÎäÁßµ¶ÀÚµéÀ̳ª °¡Á·µé¿¡°Ô ÀÌ È¸º¹ ¿øÄ¢À» ÀüÇϵµ·Ï Èû¾²¸ç, ¿ì¸® »îÀÇ ¸ðµç ¿µ¿ª¿¡¼­ ÀÌ ¸ðµç ¿øÄ¢À» ½ÇõÇϵµ·Ï ³ë·ÂÇÕ´Ï´Ù (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)


ȸº¹ 12 ´Ü°è´Â "
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Debtor's prison, Truth about addiction, AA 12 Steps ÂüÁ¶
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