 Well, like most things, the first step in making financial changes is admitting you have a problem and then identifying what you're doing wrong. So what's not right with the way you're handling money? Maybe you worry about bouncing a check or you fear the phone ringing because it might be a bill collector or you're dealing with the gas or electricity being turned off for nonpayment. Maybe you argue with your spouse about money or you've stopped giving to your church because you're afraid you won't have enough.