1. I should be concerned about my fears and dwell on the possibility of them occurring.
2. It is easier and best to avoid my life’s difficulties, than it is to face them.
3. I must be loved, or well liked, by almost everybody in my life.
4. I must achieve, be or have this for me to be worthy, adequate or loveable.
5. It is always bad when things are not the way I would have liked them to be.

Notice it is not the external events, doings of others or our own shortcomings that directly result in our unhappiness.

Rather, it is how we perceive and understand these to be, that is the primary problem.