I was watching Enjoying Everyday Life with Joyce Meyer this morning and she was speaking about finances. I enjoy these type lectures because I am always looking for a way to save a buck or two. She had 4 topics: work, give, save, spend.
Work: earn your living or assist your spouse in their earning.
Give: tithes, gifts, missions, give with a gracious and loving heart
Save: put away some for emergencies, make it like a regular bill for instance $100 is due in the Money Market account on the 15th of every month
Spend: spend your leftovers, but be wise.
Her thought for debt: list each one by name and amount (i.e. - face the truth), then take the one with the lowest balance and pay it off first (being able to mark one off the list is a positive reinforcer), take what your payment was on the first you marked off and apply it to the next lowest one in addition to your regular payment (budget the same, apply differently), when it is paid off, mark it off and go to #3 and apply the amounts of your regular payment, #2's payment and #1's payment until it is paid off too. Use the same technique through your debt list until they are gone - even if it's 3-5 years.
The problem many people have is they feel the need to reward themselves with a 'thing' each time they reach a goal. Why do we need more stuff? I already need to have another yard sale, the last thing I need to do is buy more junk.