1.     Analyze and eliminate the unhealthy money beliefs from your childhood.
  2.     Do not use spending as an antidote to your painful emotions. Deal with your feelings instead.
  3.     Make a commitment to improve your financial situation.
        Do not be afraid to learn more about money.
  4.     Know exactly where all your money is going by keeping a spending log.
  5.     Set up a budget and stick to it.
  6.     Think and believe that financial success is possible.
  7.     Do not hold tight to your money - be willing to give some away.
  8.     Be grateful for all you DO have.