Your peace of mind and contentment will be totally worth the effort of getting your debt under control. As they say, the first thing to do when you find yourself in a hole is to stop digging. Avoid shopping as entertainment. When you’re tempted to spend, instead of rationalizing “I deserve it” declare “I love it but don’t need it.” (I say that at least once every time I’m at a store).

I loved this heartfelt confessional piece. Recognizing the problem means you are ready to get on a healthy financial track. You really can do it!