From reading the advertisements and articles on the internet, you get various ideas of what debt relief is. It seems to be anything from debt consolidation to bankruptcy and everything in between. But does this really help? How many of those who consolidate their debts or declare bankruptcy actually change their spending habits and correct the underlying problems?

What are the problems underlying debt? Books and books have been written on this subject. I know. Ive read over 50 of them. Did they help? Some. I learned all about what I was doing and continued to do it. I continued to blame myself, my parents and my society with bad words and bad stress. I did everything I could to keep the problem at bay. Just dont think about it. Head in the sand, that was my solution.

Does it work to bury your head in the sand and ignore your debts? No, that is not debt relief. Your stress and your debts just pile up behind you on the sand. You know this. Youve been there.

What really works? Ask yourself a very easy question: which way do you think you would be more successful at debt relief? Peaceful or stressful? Peaceful. Its obvious, isnt it? Carrot or stick? Carrot! Definitely, carrot.

Debt relief, then, can mean two things. It can mean being debt free or out of debt. It can also mean relief from the stress so that you are successful at taking the next steps to solving your debting problem. Toward that end, I recommend the Quantum Wealth class of Steven Sashen, at QuantumWealth.com. Yes, theres a book coming out soon. I also recommend The Work of Byron Katie, TheWork.org. Both of these will help you reduce the stress in your life so you can create a successful debt relief plan for yourself. While youre at it, visit a few Debtors Anonymous meetings, too. Find them at Debtorsanonymous.com.

With some education and stress relief, you can find the debt relief youve always wanted!