It is hard enough to deal with our finances alone. Why not find a buddy? I always find that when people come to my seminar with a friend, they often see actual changes in their money much sooner. Automatically, you are able to talk about your finances with someone and it is not a big deal. If you have credit card debt and are serious about paying if off, find a debt pay down buddy. Someone that will hold you accountable, want to pay down their debt too and will motivate you to make it a priority. Next thing you know, you are both celebrating your debt free status or the thousands of dollars in your savings account. Really, I see it happen all the time.