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What’s really causing your recurring debt?

Mark Edward Atkinson | Blend Images | Getty Images

Do you keep finding yourself with debt that just won't go away? Every time you pay off your credit card, do you feel compelled to run out and charge it back up again? If so, your problem may not be financial at all.

"Over the 30 years I have been working with people and their money, I have come to believe you can't fix financial problems with money," Suze Orman said.

On an upcoming episode of "The Suze Orman Show," viewers will hear Randee of Raleigh, N.C., tell Orman that, despite multiple attempts to stop, she keeps running up $20,000 in credit card debt. After Orman asks a few questions, it becomes obvious that the guest is grappling with more than debt.

"I've always felt less than," admitted Randee, 43 who has struggled with a job loss and several miscarriages.

Overspending is a way that some people punish themselves when they feel they are not good enough, Orman said.

Here are her tips on how to break the cycle of emotional and financial destruction.

Create a new truth. Develop a phrase that you can repeat that will make you feel strong. Orman says to write it down and repeat it to yourself 25 times a day for six months.

"Every time you are tempted to spend money, you don't have to sabotage yourself. You are to stop and repeat your new truth. If you can do that, your life will start to turn around," Orman said.

Cut up your credit cards. You need to destroy the plastic that has been enabling your pain. "I don't want you to freeze it," she said. "I want you to cut it up and vow not to order another one."

"Remember, without you, money can't do anything. You're the one who decides whether to save it, invest it or waste it," Orman said. "When you decide to do things with money that are not good for you, then It's because you have a certain feeling about who you are. Look within, because that's where the true answer lies."

See more of Suze Orman's advice on this topic to her 1-on-One guest Randee on The Suze Orman Show this Sat., Sept. 21, on CNBC at 9 p.m. ET.

—By CNBC's Sakina Spruell. Follow her on Twitter @SakinaCNBC.

Contact Suze Orman Show

  • Showtimes

    United States
    Saturday 5a | 9p | 12a ET
    Sunday 4a | 5a ET
    Asia (SIN/HK)
    Saturdays 07:00, 11:00, 16:00
    Sundays 01:00, 05:00, 11:00, 16:00
    Australia (SYD)
    Saturdays 09:00, 16:00, 23:00
    Sundays 05:00, 11:00, 16:00, 23:00
    Mondays 05:00
    New Zealand (NZ)
    Saturdays 11:00, 18:00
    Sundays 01:00, 07:00, 13:00, 18:00
    Mondays 01:00, 07:00
  • Host of "The Suze Orman Show," Orman is a two-time Emmy Award-winning television host and an expert on personal finance.

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