If you have overwhelming debt, then you know the stress it puts on you and those around you. Speaking with a debt counselor can be like debt therapy.

You didn’t get into debt overnight, and you won’t get out of that way either. But you can trade the sleeplessness nights and anxiety over your debt for the comfort that you are getting help. But like therapy, you need to make the call.

A certified debt counselor from Clearpoint Credit Counseling Solutions can work with you to understand your debt issues, and help work out a plan to get you out of debt. To learn more about their free debt counseling services, please visit the Clearpoint Credit Counseling Solutions website:

http://www.clearpointcreditcounselingsolutions.org/credit-debt/

ClearPoint is one of the largest, most-respected credit counseling agencies in the nation – a 501(c)(3) nonprofit organization whose mission is to promote consumer health through financial education.

Clearpoint Credit Counseling Solutions
8000 Franklin Farms Drive
Richmond, VA 23229
(800) 750-2227

In just a few short years, federal budget deficits and the national debt rose from obscurity to become America’s newest obsession. Unfortunately, while interest in the issue has grown, rigid ideology and an increasingly vitriolic and entrenched public dialogue have crowded out thoughtful discourse, preventing even basic education on budgets, the deficit, and the role of government.

Fiscal Therapy is an antidote to the demagoguery and half-truths. It explains the scope and nature of the deficit problem facing the United States and offers sensible, balanced, workable solutions in clear language, drawing on national history, the experiences of other countries, and economic analysis. According to William G. Gale, senior fellow at the Brookings Institution and codirector of the Urban-Brookings Tax Policy Center, what is at stake in solving the deficit problem is the social contract that governs how Americans interact with their government.

Restructuring government and balancing the long-term budget are monumental tasks. While Americans need not and should not abandon their fundamental values, the required actions will be profound. No country makes such changes easily or quickly, but failure to act will ultimately guarantee long-term economic ruin.

Gale proposes a set of policies to restore fiscal balance through shared sacrifice. His proposal would restructure taxes and spending programs, cut overall government outlays, raise revenues, and put the economy and the budget on sound footing.

Contents 1. Introduction

2. How We Got Here

3. Where We’re Heading

4. Why the Deficit Is a Problem?

5. Fixing the Problem

A Clear and Effective Approach to Learning DBT Skills

First developed for treating borderline personality disorder, dialectical behavior therapy (DBT) has proven effective as treatment for a range of other mental health problems, especially for those characterized by overwhelming emotions. Research shows that DBT can improve your ability to handle distress without losing control and acting destructively. In order to make use of these techniques, you need to build skills in four key areas-distress tolerance, mindfulness, emotion regulation, and interpersonal effectiveness.

The Dialectical Behavior Therapy Skills Workbook, a collaborative effort from three esteemed authors, offers straightforward, step-by-step exercises for learning these concepts and putting them to work for real and lasting change. Start by working on the introductory exercises and, after making progress, move on to the advanced-skills chapters. Whether you are a professional or a general reader, whether you use this book to support work done in therapy or as the basis for self-help, you’ll benefit from this clear and practical guide to better managing your emotions.

This book has been awarded The Association for Behavioral and Cognitive Therapies Self-Help Seal of Merit — an award bestowed on outstanding self-help books that are consistent with cognitive behavioral therapy (CBT) principles and that incorporate scientifically tested strategies for overcoming mental health difficulties. Used alone or in conjunction with therapy, our books offer powerful tools readers can use to jump-start changes in their lives.

Find more help online at cbt-self-help-therapy.com. CBT Self-Help Therapy offers web-based treatment for borderline personality disorder (BPD) and emotion dysregulation based on the book The Dialectical Behavior Therapy Skills Workbook. This interactive program can be used by clients working on their own, or their therapists can monitor their work on the secure server. Other modules in CBT Self-Help Therapy offer treatment for stress, anxiety, depression, and anger.