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Understand how you got here

Self-blame is hurtful, but blaming everyone else isn't going to get you anywhere either, Klontz says. "Even if it's only 5% your fault, that's the part you can change and control," he says. "And that's the part that can give you hope."

Klontz recommends taking a hard look at why you got in trouble, and taking steps to address this issue. Examine your relationship with money, and mend it if it needs fixing.

Next: Turn off the TV