Here are some helpful resources for compulsive spenders.

12-Step Recovery Programs

All three of these programs can help you recover from this hopeless and demoralizing condition. Check out phone meetings if there are no face-to-face meetings nearby:

Debtors Anonymous
(Please don’t let the name deter you. You don’t have to have debt to find recovery in this program. Remember, a spender is just a debtor who hasn’t run out of money yet.)

Underearners Anonymous
(Again, don’t let the name turn you away. This program has helped many compulsive spenders find their recovery path.)

Spenders Anonymous
(No phone meetings … yet, but they provide everything you need to start one.)

Non-12-Step Resources

These are not 12-step programs, but these sites can be of value to those in or out of 12-step recovery programs:

Getting Out from Going Under: Guide to Recovery for Compulsive Debtors and Spenders
This was Susan B.’s original blog (created in 2012), where she shared her experience, strength, and hope. Contains lots of step-by-step instructions and tips.

GreenPath Financial Wellness
They are the only debt consolidation company I trust because I know three people who were helped by GreenPath and got out of debt. In addition, I had two sessions with them, but by that point, I had already consolidated and they weren’t able to do anything more. I was very impressed with them. They are a non-profit. And here is the Consumer Affairs website where they have an overall five star satisfaction rating.

Debbie Roes provides very helpful information for shopaholics. While she is not 12-step focused, Debbie offers a lot of helpful information based on her own experience, strength, and hope.
(I wrote an article for this site awhile back on why Debtors Anonymous is not just for debtors.)

Site for compulsive shoppers (part of the Shulman Center). Though the site is called “Shopaholics Anonymous,” please be aware that it is not a traditional 12-step program, but part of the Shulman Center for Compulsive Theft, Spending, and Hoarding. I have spoken at length with Terrence Shulman, read his book, and believe his heart is in the right place, and he has a lot of good information to help compulsive spenders and shopaholics.

Spending Plan Software

There is no shortage of spending plan software. I haven’t even heard of many of them! I may test and review them in the future.

(YNAB stands for “You Need a Budget”)
This is the spending plan software I use. Note: You get three months FREE to evaluate the software through my affiliate link!

Other spending plan resources:

Excel Deluxe “Envelopes” Check Register Spreadsheet
(with One-Click Sort, plus Reconcile Section): $11.95

I played around with this and found it to be a really great option. The only downside for me was that you are limited to only 50 categories. You can test it out with the free version, which only allows five categories.

Every Dollar (Dave Ramsey’s solution)





Budget Pulse

Calendar Budget

Pear Budget

Snow Mint


There are plenty more … just ran out of energy. 🙂

If you know of any others I should add, please let me know!