So rather than looking for the right book or system get out pencil and paper. Write down what you have and what you owe. Then what your regular income is and what you bills and general expenses are grocery/gas/etc. Take a hard look and work from the truth, and good for you for owning up and growing up. I did this years ago and the truth is that the first bit of time was the hardest. You’ll do great and be glad you did it!

You can do this!

If you need a bit of coaching/book, I loved “Your Money Or Your Life” – it’s the good advice LTR just wrote.

Totaly honesty with yourself, NO Guilt!, just love yourself and know you can do this challenge!

I find that giving myself a small allowance (and it’s less than I had in high school!!) helps keep me from “panic spending” – also, I increase my allowance a wee bit each time I pay off a debt. Might work for you, too :)