Video: How to meditate your way out of debt

Contemplation can ease anxiety so you can deal with debt


Just take a deep breath and relax. Push all of your worries out of your mind.

Out of debt yet? 

Meditating may not leap to mind as a way to get out of debt. But, debt anxiety is real: It can keep you awake at night, inhibit your ability to work and even result in panic attacks and depression. All of this will make it harder to make a plan to pay off your debt.

We have clouds in front of us that are fear, shame, anxiety, worry and you can clear those when you sit down with yourself and start to look at the truth and all of the assets you have available to you, says Mary Joan Cunningham, a meditation instructor, film producer and writer. 

Cunningham teaches meditation and used it herself when she was in debt. It helped her get rid of anxiety, look at the problem from a non-emotional point of view and ask the right questions.

For example: "What is my fear, what is my truth, what can I do today that is going to set me up for a better future?" says Cunningham.

Now suffering with multiple sclerosis, she says the ability to get out of her head is the only way to avoid drowning in worry.

"Start off with 3 minutes the first three days, then expand it to 5 minutes, then 7 minutes and build up to a 15-minute practice daily," she suggests. 

In that way, mastering meditation is like conquering debt - start off a little at a time, make it routine, and gradually increase as your ability grows.

“Rather than clearing your mind, take stock of what’s going on in your mind," she says. "And, just the act of writing that down, then you’ve sort of released it from yourself.”

Denial and anxiety won’t make your debt problems go away. Just because you think about your debt often doesn’t mean you’re taking care of it.

Rather, stop thinking about it, just a for a few moments a day, until it stops being a part of your identity and becomes a problem, like any other, you need to sit down and solve.

"You can see not the whole or big big answer, but just the next best step you can take for yourself," says Cunningham. 

See related: Severe debt can cause depression and even suicide, 4 simple ways to cope with debt-related stress

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Updated: 01-19-2018