Step 1: We must trustfully acknowledge the process that has created our present, and is affecting our future.

Step 2: We must change our attitude.

Step 3: We must not become emotionally reclusive.

Step 4: We must get to the heart of the matter.

Step 5: We must seek spiritual wisdom.

Step 6: Learn from the experience and trust God through it and in it.

Step 7: You must learn how to give under pressure.

Step 8: If you are going to climb out of the hole stop digging it deeper.

Step 9: Find a reliable Counselor.

Step 10: Learn to be content with less.

Step 11: You must learn how to attack your debts.