Overcome an addiction to shopping. Be clear about what specific things you want to buy before you set foot inside a store (or click onto a vendor's Web site). Make a list and stick to it.

Plan for big purchases so you'll have enough cash to pay for them without going into debt. Don't use shopping as a form of entertainment, or a way to help you deal with anxiety, to feel like you're taking care of yourself, or avoid unpleasant realities in your life. Don't buy things you won't use. Don't hide your purchases from others.

Use credit cards wisely. Don't use credit cards to avoid reality, gain a sense of power, for comfort and companionship, for excitement, or for love and approval. If you don't have the cash available to pay for something, don't charge it to a credit card.

Never pay just the minimum balance on credit cards each month; try to pay each month's bill off in full so you don't incur expensive interest. Build up an emergency reserve of savings so you won't need to charge emergency expenses like car repairs and medical bills on credit. Don't spend up to the limit of your credit cards, or use one credit line to pay another. Keep track of what you spend when you use credit cards.

Avoid gambling. Seek God's healing for past wounds that help drive you toward gambling. Rather than seeking excitement in gambling, look for other, healthier adventurous experiences. Never gamble with money you can't afford to lose. Don't view gambling as a way to escape your troubles. Don't seek status or attention through gambling. Never borrow or steal money for gambling, or keep the amount you've gambled away a secret from others.

Decide to trust God - rather than chance, or money - for your future. Know that only God will prove reliable.

Don't be an enabler. Decide that you won't cover up for someone else - a family member, friends, or co-worker - who is in debt. Don't use money to do for others what they can and should do for themselves. Don't take responsibility for someone else's debts, or give or loan someone money without considering the consequences to yourself. Never co-sign for loans with which you are uncomfortable.

Don't settle for less than you can earn. Don't under-earn because you think you don't deserve more, you're afraid of failing if you accept a more challenging job, you're afraid of the changes success would bring to your life, you're afraid of competition, you don't want to make a commitment to a job, or you don't want to be noticed. Be proactive and creative at discovering how you can earn more money. Don't expect someone else to take care of you; take responsibility for your own income.

Acknowledge your own needs. Don't discount the importance of your own needs in order to gain acceptance from others. Invest in the things you need without feeling guilty about it. Have the courage to say "no" when people ask you to do something unreasonable for them.

Don't become a pauper. If large sums of money make you uncomfortable, don't automatically spend it or give it away. Ask God to give you the confidence you need to handle money responsibly.

Practice spiritual disciplines. Renew your mind and heart by practicing spiritual disciplines that will help you approach life in a healthier way - including how you deal with money. Make time on a regular basis to study (the Bible, financial books, etc.), surrender (releasing people and situations to God's care), serve others as God leads you, listen for God's voice in silence, simplify your life so that it reflects your core values, become solvent (able to pay all that you owe), and enjoy serenity (the deep inner peace that comes from communing with God).