Stage 1 Recap — Debt Honesty & Recovery Foundations

Question 1

What is the first move out of denial about debt?

• Take a new loan to cover the old ones
• Write down every debt with name, balance, and due date
• Avoid checking statements until salary lands
• Wait until you 'feel ready'

Question 2

Which thought belongs to responsibility, not shame?

• I'm stupid for getting here
• I deserve to struggle
• I made decisions I can now correct
• There is no way out for me

Question 3 · select all

Which of these create real pressure on a debt month? (Select all that apply)

• High interest rates
• Bad due-date timing relative to payday
• Money owed to family or friends
• Having a written budget

Question 4

Convenience debt (small borrowings to smooth the month) is harmless because the amounts are small.

• True
• False

Question 5

What does a 'borrowing story' refer to?

• A bank's marketing copy
• The internal narrative you tell yourself to justify a loan
• The legal contract you sign
• Your credit bureau record

Question 6

Which sequence best describes the Debt Escape map?

• Honesty → Identity → Rules → Recovery sequencing
• New loan → Bigger loan → Consolidate
• Save first → Pay nothing → Hope
• Avoid → Justify → Repeat

Question 7

Setting a one-sentence borrowing rule (e.g. 'I do not borrow for groceries') is a useful recovery tool.

• True
• False

Question 8

Why does the pathway insist on naming each debt individually?

• It is required by law
• Vague totals keep shame alive; named debts become solvable problems
• It improves your credit score automatically
• Lenders need it

Question 9 · select all

Which are signs you are operating from a recovery identity? (Select all that apply)

• You check balances calmly, not avoidantly
• You communicate early with creditors when something changes
• You take a new loan to feel in control
• You make one next move instead of solving everything at once

Question 10

Which scripture anchors this stage's posture toward debt?

• Proverbs 22:7 — The borrower is slave to the lender
• Matthew 6:24 — No one can serve two masters
• Psalm 23 — The Lord is my shepherd
• Genesis 1:1 — In the beginning