If you’re in debt and you don’t want to be, (and who wants to be?) you might want to take a look at Zen Habits 12-Step Get Out of Debt Program.
Leo describes it as an emergency program, but it seems to us that it has good advice for anyone whose spending is out of control and who wants to be more responsible… but doesn’t know where to start.
The important thing to remember is that you really do need to follow a program and tackle your debt systematically, like you would a weight-loss program. Crash diets don’t work any better for your wallet than they do for your ass.