Take some time this week to think about your own personal finances. Wouldn't you feel a lot better if you began figuring out how to live without debt? Are there ways to reduce your debt? How much of that debt is actually necessary? How much of it is due to those little extravagances in your life you could do without? Are those little luxuries really worth the amount of worry they cause when you find yourself deeper and deeper in the hole? What would you have to do to stop worrying about money?
If you exercise a little self-discipline and restraint when it comes to spending money, you'll find you have more of it. Ask yourself every time you pull out your wallet this week--is this purchase really necessary?