Benefits of habit “Return all debt”

✓ Helps stabilize financial situation
✓ Improves relationships
✓ Improves self-esteem
✓ Reduces stress and anxiety

First step:

Return 1 item or small sum

Progress:

1. This week, return 1 item you have borrowed but never gave back or a small sum of money that you can afford to return.
2. Next week, increase the number of returns to 2.
3. Keep it up until you don’t owe anyone anything.

Helpful tips to make it a habit:

✓ Trigger your mind. Put all the things that you’ve borrowed in one, visible place to you wouldn’t miss them during your daily routine.
✓ Let the app help. Set the reminder on this app to ring you up when it’s time to return the debt.
✓ Reward yourself. Once you’ve gone a month of successfully getting rid of your debt, celebrate by mending relationships with people you may have hurt due to your reluctance to return items or money. Send them a small gift or give them a call.

Tips for beginners:

✓ Observe yourself. What makes you borrow? Do you find certain items attractive and can’t help but ask for them to be lent? Do you need money for the moment, but you don’t think ahead if you’ll be able to return the sum? Analyze your own behavior and see what needs to be changed so this situation wouldn’t repeat.
✓ Cherish your relationships. Nothing gets in the way of relationships quite like money. It seriously changes power dynamics between people. On a lesser scale, but same thing applies to items that belong to other people. Constantly be aware of this and try to not involve money into any friendly (or even familial) relationship until both sides trust each other implicitly.