Many personal problems can be reduced to one of these causes:
The Ima fallacy. Labels like: "I'm a dumb-bell," "I'm a weak person," "I'm a failure," etc., can become self-fulfilling prophecies. If every-one who has taken something that was not rightfully his/hers were a crook, we would probably all be crooks. Instead of labels, use action words: "I'm acting stupid," "I'm learning to...", "I'm going to...", etc.