Debt Addiction Worksheets

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Do You Feel Stuck in a Cycle of Debt and Spending You Want to Change?

Debt is not always caused by simply “being bad with money.” Spending can become tied to stress, emotions, habits, avoidance, social pressure, or thoughts that make purchases feel reasonable in the moment.

You may genuinely want to get out of debt while continuing to make choices that pull you back into it. Understanding why this happens is an important part of changing it.

The Debt Addiction Worksheets help you examine your spending patterns, understand what keeps you in debt, and take practical steps toward greater financial control.

Do You Relate to Any of the Following?

Do you keep accumulating debt after trying to pay it down?
Do you spend more when you're stressed, bored, upset, or overwhelmed?
Do you avoid checking your bank balance, bills, or debt because it makes you anxious?
Do you regularly buy things you don't really need?
Do you make purchases you regret afterward?
Do you tell yourself things like “I deserve it” or “I'll deal with it later” before spending?
Do you want to change your financial habits but struggle to make the changes last?

If so, the Debt Addiction Worksheets can help you understand what is driving your spending and build a more practical approach to managing money and debt.

(+20 pages of practical exercises and tools)

What’s Included?

Self-Assessment
My Current Debt Snapshot
My Spending Triggers
Needs vs. Wants Worksheet
Thoughts That Keep Me in Debt
What Debt Is Costing Me
Avoiding My Finances: What Am I Afraid Of?
Identifying Lifestyle Inflation
Questions to Ask Before Buying Something
Creating Personal Spending Boundaries
My Debt Repayment Plan
What to Do After a Spending Slip

How These Worksheets Can Help

Understand the patterns behind your debt
Identify spending triggers and unhelpful thoughts
Build healthier spending boundaries
Create a practical debt repayment plan
Handle spending slips without giving up

Download your Debt Addiction Worksheets today and start understanding what keeps you stuck in the debt cycle. Small changes in how you think about, respond to, and manage money can add up to meaningful financial change.

You will get the following files:

PDF (2MB)
PDF (35KB)

FAQs

These worksheets are perfect for anyone who needs an affordable, yet effective strategies to help them increase their self-awareness and work on their own issues – alone or with their therapist.
These worksheets are not a one-size-fits-all approach and are in no way meant to imply that change is as one-dimensional as a worksheet.
So choose the techniques and suggestions that apply to you and tailor the exercises in ways that will be helpful to you.
You will receive a digital PDF copy that you can print out and fill in straight from your computer or phone.
With your phone, apps like xodo or goodnotes allow you to “write” inside the PDF!
Yes! You can create an account where you can access your updates files or you can save the download link/email to download updates files.
P.S. If you purchase the “Entire Shop Bundle”, you’ll also get lifetime access to new products for free.
Due to the nature of the products, all sales are final.
However, I am confident that these worksheets will provide the strategies you need to get started.
Absolutely! The worksheets are meant for both, personal and professional use.
The worksheets are copyrighted so you can’t resell them or upload them publicly online. But you can share them with your clients.
Here’s one way to do it:
1. Open the document in Google Chrome (or any other browser). You can click on the document and drag it to a new tab.
2. Select print option. For destination choose “Save as PDF” and for pages choose “Custom” and enter the number of pages you want included with a comma between each number.
3. Click Save

What people are saying

“I’ve been facilitating mental health groups for 10 years and I’ve never come across worksheets as good as yours [including Therapy Aid].

Thank you for your wonderful worksheets and please keep them coming!”

– Gary

“I wanted to write to you to tell you how much clarity I have received from your prompts in the journals. I bought the toxic relationship and breakup recovery ones and I will forever recommend them to others.

Thank you so much for the gift you share in the world to help others heal.”

– R – recovering from divorce and a 3 year toxic relationship right after that.

“I am so grateful to you. I was somewhat apprehensive about facing certain things that I knew were there but had been resisting addressing. Your approach in the worksheets made it easier, more structured, and less daunting to confront… I am beginning to understand myself better and striving to be a better partner, coach and psychologist.”

– Rocio

Hi there, my name is Hadiah.

I am a counselor and the author behind Ineffable Living blog – a codependency and mental health blog.

I wanted the worksheets to be both informative and engaging, so I worked on creating clear and concise instructions, thought-provoking prompts, and activities that would encourage self-reflection.

As I witnessed the positive impact these worksheets had on my clients' progress, I realized their potential to reach a broader audience.

Whether you’re a therapist, a coach, or a counselor who is looking for tools to help your clients or simply someone who is seeking personal growth, coping strategies, or ways to enhance your overall well-being, our worksheets are here to assist you.

Debt Addiction Worksheets

Do You Feel Stuck in a Cycle of Debt and Spending You Want to Change?

Do You Relate to Any of the Following?

What’s Included?

How These Worksheets Can Help

FAQs

What people are saying

– Gary

– R – recovering from divorce and a 3 year toxic relationship right after that.

– Rocio

Hi there, my name is Hadiah.

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Testimonials

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Testimonials ⋆⋆⋆⋆⋆

Debt Addiction Worksheets

Do You Feel Stuck in a Cycle of Debt and Spending You Want to Change?

Do You Relate to Any of the Following?

What’s Included?

How These Worksheets Can Help

FAQs

How do I know if these worksheets are right for me?

What is the format?

Do I get access to new updates?

What is your return policy?

Can I use the worksheets with my therapy clients?

The worksheets include many pages. I want to send it to a client but would prefer to be able to break it up into manageable chunks. How Can I do that?

What people are saying

– Gary

– R – recovering from divorce and a 3 year toxic relationship right after that.

– Rocio

Hi there, my name is Hadiah.

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