This is a follow-up to my post entitled: Are you willing to change? from last week. 

So you’ve realized that your financial situation just isn’t working.  You have a problem, and you’ve admitted it – good.  But it’s not good enough.  You have to change, and do it quickly.   The financial choices you’ve made so far in your life are obviously not very good – or you would be doing ok.  You’re not, which means you’ve been making bad choices. 

Stop it.   Look at what you’ve been doing, and immediately start doing something else.  If you consistently carry credit card debt, stop it.  Cut up the card, burn it, whatever.  You’re done – stop using it, and get cracking with paying it off.  If your issue is buying new cars far too often, stop it.  Whatever you’re driving now is good enough ( perhaps it’s even time to downsize, if you aren’t too buried. )  

The bottom line is that you must turn around and go a different direction.  That’s the only way that you will ever improve your finances.  Why not start today?