If there is a willingness to change, motivation comes from taking a thorough look at the negative consequences. Then once cravings are put into perspective and brought under control, Horvath says, psychotherapy is usually necessary to deal with the underlying problems. Own up to the problem. Let people in your life know that your spending habits are out of control. Acknowledge the accumulated debt situation and seek help in developing a plan for resolving it.
Most communities have a consumer credit counseling service.
Get rid of credit cards. Buy only what you can pay for with cash or by check. Create a budget and track spending. Pollak likens it to a diet and calorie counting. Develop and stick with a weekly savings plan that is dedicated to non-essential purchases.