Addiction in Numbers

50% of all people seen in A + E Departments in the evenings and at weekends are there as a result of something to do with alcohol or drugs.

20% of all suicides are in people with alcohol problems.

10% of all post-mortem examinations show significant liver damage due to alcohol.

85% of episodes of domestic violence are alcohol related.

10 – 15% of the total population have addiction problems of one kind or another.

The Registrar General’s statistics show that we spend more on alcohol, nicotine and gambling than we do on housing.

Behind all the major killing diseases are addiction problems:

Cancer: nicotine addiction + alcohol

Diabetes: sugar and refined (white) flour – the ‘drugs’ of eating disorders.

Heart disease: nicotine, alcohol, sugar and drugs (especially cocaine).

Liver disease: alcohol, sugar, drugs.

Suicide: any addiction.The human and financial costs are vast. Set against that, the costs of appropriate identification and treatment are relatively inexpensive.

We tend to believe in treatment with love, education and punishment. This doesn’t work, other than:

Education on addictive disease and recovery.

Punishment that the addicts give themselves if we let them take the full consequences of their behaviour.

An addictive tendency runs in families and may be genetically inherited – due to a defect in the neuro-transmission systems in the mood centres if the brain. This leads to an inexplicable sense of inner emptiness. That in turn is temporarily relieved by use of mood-altering substances and behaviours.

The causes of addiction are:

Antecedent: genetic.

Contributory: emotional trauma.

Precipitant: exposure to mood-altering substances of processes.

Treatment is in the reverse order:



Anonymous Fellowships eg AA.

- going to meetings counters the psychopathology of denial.

- working the Twelve Steps (reaching out to help others anonymously) counters the inner emptiness. This has to be continued for life because the addictive tendency is also for life.

Abstinence is merely the beginning – and it must include all mood-altering substances such as prescription drugs (antidepressants, sleeping tablets and tranquillizers). Pain-killers should be used only when vital.

Addictive tendencies come in clusters (with each probably being mediated by one gene).

Hedonistic: alcohol, recreational drugs, prescription drugs, nicotine, caffeine, gambling and risk-taking, sex and love addiction.)

Nurturant of self: sugar and white flour, shopping, spending, work and exercise.

Relationships: relationship addiction (using other people as if they were drugs) and compulsive helping (using oneself as a drug for other people).

Any outlet in any one of these clusters indicates that there is a tendency towards addiction to any of the others.

The Department of Health and The Home Office tend to tackle the supply side of addictive substances and processes. This stigmatises the whole population whereas we should tackle the demand side: identify (through The Lefever Questionnaires that look specifically at addictive characteristics) those who have an addictive nature. We all have our own personalities.

The major killing ‘drugs’ in the UK are:

Nicotine – 300 deaths a day.

Sugar – 200 deaths a day.

Alcohol – 100 deaths a day.

All the illegal drugs combined kill 15 people a day. Full legalisation of all drugs would cause a catastrophic increase in deaths. Decriminalisation would channel addicts towards appropriate treatment by seeing addiction as an illness. Keeping these substances illegal would enable the courts to mandate treatment.

The law is inconsistent in treating the most damaging substances as being legal. We have to concentrate on identifying and treating the addicts, rather than simply making laws about substances.

10% of the population in England drink 50% of the alcohol consumed.

5% of the population in Scotland drink 50% of the alcohol consumed. The difference is because 30% of the population in Scotland are Presbyterians and are abstinent.

Twice as many people are killed on the roads when they are walking home from the pub as are killed when drunk-driving. The slogan should be “Don’t drink and walk”.

How to Really Use Your Credit Cards

Credit cards are a double edge sword. People are addicted to the plastic crack. They buy stuff they don’t need to impress people they don’t like. Plastic money has Americans hooked. Advertisements for cards are everywhere. How bad is it? According to some statistics the average American household has over $15,000 in credit card debt.

I do not advocate that everyone should have a credit card. If you can not control your cash you definitely can not control your plastic spending. I teach Financial Peace University classes and we strictly preach debt freedom and get rid of your cards. Why? Because most people will spend when they carry a credit card. Furthermore those same people will not pay off their current charges and carry a balance. Thus putting them back into credit card debt.

There is a myth that you need credit. That is a lie. You don’t need credit to survive. It does make it easier to travel, rent cars, and book hotels. But the truth is you can do that with a debit card. The buy now pay later syndrome is why so many people are in debt. This is how people get trapped and are on the path to financial disaster.

Only The Responsible and Disciplined

I use my cards everyday. But I pay off my balance every month. Paying interest is stupid. I still think that most people should not own or use a credit card unless they are responsible and disciplined to pay it off every month. As I mentioned earlier if you can’t control your cash you will do worst with credit cards.

Hear me out again. Paying interest on things you buy is just stupid. If you can’t pay off the balance do not buy the darn thing. Do you really need it anyway? Is that new big screen necessary now. Or is happy hour that important? Think before you pull it out. Better yet leave it at home.

Not For Emergencies

They shouldn’t be used for emergencies. This is an excuse that people use because they are not financially ready. What are emergencies? The tire blew out, the air conditioner doesn’t work, kids need new shoes, you are hungry, and broke. You pull out your plastic to pay for these things and then you start to rack up that balance. You fail to pay the balance and the next month another “emergency” pops up. If you don’t have an emergency fund then you are setting yourself up for failure.

Here are 4.5 Ways to Really Use Your Credit Cards:

1. To Make That $$$

Wealthy people use cards to expand their businesses. They use it to make that $$$. Here is the key! They pay off their balances at the end of the month. They generate income with their cards and then pay it off. They hate paying interest. I am an affiliate marketer and I use my credit cards for marketing and I pay the balance every month.

There is a daily limit on your debit card usage. But not with credit cards and I don’t need limits on my spending. My credit cards help me make money. If your plastic can help you increase your income then by all means use it.

2. Not for Personal Use

If you can’t pay the balance by the end of the statement do not buy it. If you couldn’t buy it with cash then don’t get it. I know you will pay it off later. If that was true there wouldn’t be all this credit card debt floating around. Don’t even carry it with you. Just having it will give you an urge to buy stuff. Stuff is what kills people financially.

Broke people pay fees and interest rates because they can’t afford to buy with cash. That is the consequences of not having enough money to buy what you want. Fees and interest add up. You are just giving money away when you can’t pay it off before the statement date.

Here is a trick I use. I always have a monthly budget. I know where every dollar is going. I take that budget and put it on my credit card. In fact I create a positive balance on my cards. Then I stick to my budget and I am never owing a balance. Why do I do this? You will see when you read #4.

3. Your Personal Bookkeeper

This is why I use my credit cards for every purchase. I get a statement at the end of the month, quarter, and year. I see where my money went and they add graphs too. I download the statements to my Quick Books software and give the year-end statements to my tax guy. Boom accounting is done.

4. Perks, Privileges, Rewards, and Points

The icing on the cake is all the perks, privileges, rewards, and points you get by using your cards. I am a cash back guy and I will get a lot of cash back this year (which I save to my investment accounts). My business credit cards gives me all the perks. I get points, miles, discounted VIP event tickets, and I don’t have to pay exchange rate fees when I travel around the world.

I get travel insurance, rental car insurances which saves me $$$ on rental cars, and much more. Plus all this stuff is free when you pay your balance off. When you use your credit cards correctly you can cash in on the benefits

4.5 To Start Your Business

I caution you to not use your credit cards to start your business. Especially if you are a newbie with no experience in the field you are about to enter. The risk is too great. Now I used my credit cards to invest into my business. That was around $20k. That was a huge gamble. But I had 4 years of experience when I took the plunge.

I also kept my day job to help make the monthly payments. I created multiply streams of income to pay off the balances faster. Those balances are at $0 now but I had to rise, grind, and shine. It took some time but my business is successful. If your business fails you still have to pay those credit cards.


Most people should stay away from credit cards because they can’t control their cash and credit cards will make it worst. Only use it if you can afford to pay off the balance every month. Remember paying interest and fees is stupid. Don’t be stupid. It’s a great accounting tool and the perks are worth the discipline and responsibility.