The Zen of living without credit... why "Zen?"

Zen involves letting go of attachments - to physical, emotional, all kinds of things. When we let go of the attachments, then we achieve true enlightenment. We discover that we already have everything we need.

Keeping this in mind, I believe that it is within everyone's reach to get free from the DebtMonster. We just have to let go. Do we really need huge plasma screen TVs to make us happy? Do we need brand-new cars or this widget or that designer clothing? No, we don't.

What do we need?

Air - that's still free, at least for now

Water - it's virtually free. If you're sworn to drinking only bottled water, I dare you to read this report.

Food - you can choose your own fate with this one. Think it can't be done? Look at this example of grocery success! Coupons can be very useful.

Clothing - Do we really need the designer labels? Will little Junior REALLY die if he doesn't get those fancy sneakers? There's nothing wrong with discount stores, yard sales, etc., unless you are opposed to saving money.

Shelter - Do we really need to live in a McMansion? The right house in the right location may mean prestige, but at what price?

Let go of the attachment to "keep up with the Joneses." They are not in charge of your happiness. YOU are. Would you rather live surrounded by "stuff," but broke, drowning in debt, fighting about money and stressed out over how you're ever going to pay for it all? Or would you rather live modestly, not worrying about how the bills are going to get paid, happy, and content?

It's achievable... once you learn to let go.

When you let go of the attachments, you no longer feel like you're having to "do without" things. You don't feel less privileged. You are no longer jealous of other people's stuff. You are content, knowing that you have everything you need. It is very liberating, and you find that you gain so much more in return - peace, most especially.

At this point, don't be alarmed if you find yourself wanting to help others. It's called compassion, and it's another thing you'll gain, once you let go.