One of the best ways to look at your routine expenses is in the bright light of truth: annualized. Sure that cup of gourmet coffee every morning costs a mere $3.50. What’s the big deal? Let me show you: $3.50 x 5 days a week x 52 weeks ...

When I was spending irresponsibly I really didn't know I had a problem with money. I was so good at manipulating creditors, pulling the wool over people's eyes, juggling funds, juggling people.

I was an expert until I realized the only one I had really fooled was myself. Ending denial means looking at the reality of credit-card bills, late payments and account balances. It means listening to those who confront and teach us.

Once we end our denial, taking care of the business of rectifying the situation can be exciting.