Step 1. Envision the Life You Want
Step 2: Look at the True Cost of Your Debt
Step 3: Explore Your Limits
Step 4: Assess Your Spending Habits
Step 5: Discuss Necessities vs. Luxuries
Step 6: Consider Your Happiness Quotient
Step 7: Create Space for What Really Matters
Step 8: Make It Real
courtesy of oprah.com - peter walsh
http://www.oprah.com/slideshow/oprahandfriends/pwalsh/20081010_oaf_pwalsh_101
