Worry, Blame and Anxiety about Your Debt and Credit

Worry, Blame and Anxiety about Your Debt and Credit

(Posted in Facebook Notes by Cindy Fredrickson on Thursday, January 28, 2010 at 8:28pm)
January 23, 2010 by Michael Mack“There is nothing for you to worry about. Absolutely nothing.” When I was in financial trouble I read this mind blowing concept from Dr. Wayne Dyer and my reaction was, “Oh really? He’s got a lot of nerve!” I rejected Dyer’s statement as being preposterous on its face. I mean, come on, people in financial trouble naturally worry, who is Wayne Dyer to tell me I have nothing to worry about!

But after the knee-jerk rejection, I dug a little deeper. It became clear that what Dyer is saying about worry has irrefutable merit. You can spend the rest of your life, beginning right now worrying about the future, and no amount of worry will change the future. Wayne Dyer defines worry as being immobilized in the present as a result of things that may or may not happen in the future. (Source: Dr. Wayne W. Dyer “Your Erroneous Zones” HarperCollins 1995, page 128) He is spot on.

By the way, there are several books I give to my clients, and Dyer’s books are on the list. He’s a good man who offers keen insights to living a happy, fulfilled, and moral life.


Do not confuse worrying with planning. You should plan. You should not worry. Planning is a blue print for taking action to change your future. Planning is good. For example, do you have a plan to get out of credit card debt? (Call me and I’ll show proven plans to eliminate credit card debt)

Worry is not planning. Worry, as Dyer points out, often keeps us from taking action. Some of us use worry as an excuse for failing to take action. Worry is change avoidance. I get people occasionally in my office and I offer a fantastic strategy to get them free of credit card debt or help them find prosperity; and you can watch their eyes glaze over. They don’t get it; they don’t want to get it because it frees them from the “worry zone” in which they find perverse, unhealthy comfort.


Worriers often play the blame game. But blame, like worry, is a crutch to avoid looking at yourself. Whenever you don’t want to take responsibility for your actions, you can blame someone, or something else. Blame, like worry, is a form of escaping reality. When you blame others for your troubles you almost admit you have no control over your own life. Sure, you can be a victim. People do bad things to other people. But be careful not to use blame in situations where self reflection is necessary, not self pity.


Anxiety can chew you up. It can destroy you, if you let it. Anxiety is worry times two. Anxiety is being overwhelmed by uneasiness and living in a state of constant fear, often mixed with depression.

Sometimes, if you are anxious, you need to seek the help of a professional. You need people who will listen and offer empowering strategies which will sooth, and ultimately cure, your anxiety.

If you are anxious about your financial situation, such as credit card debt, don’t be. It’s not worth letting it destroy your life. Don’t let the credit card companies and debt collectors get the best of you. Life is good! You’ll be fine, trust me.

I’ll leave you with a beautiful prayer by Saint Paul about curing anxiety and choosing positive thoughts [from Phillipeans, Chapter 4]:

“The Lord is near. Do not be anxious about anything, but in everything, by prayer and petition, with thanksgiving, present your requests to God. And the peace of God, which transcends all understanding, will guard your hearts and your minds in Christ Jesus. Whatever is true, whatever is noble, whatever is right, whatever is pure, whatever is lovely, whatever is admirable-if anything is excellent or praiseworthy-think about such things.”

Think about these words. If you choose to think about that which is pure or lovely, you can only feel lovely and pure feelings too.

Think about it, won’t you? I’m praying for you. Please pray for me too. Thank you.

God Bless,

Michael Mack, Attorney & Counselor Law

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