7 easy ways to overcome debt denial

Larry Tobin, co-founder of Habit Changer in San Francisco, an online self-help program, says you can change an unpleasant behavior like debt denial with his 42 days' worth of tips and exercises. The Money and You program costs $19.95 and is delivered to your e-mail inbox or via text message to your phone twice per day.

"This program can be done in conjunction with other tips you use to fight debt denial, but you need to change your behavior, too, or you'll keep having the same problem," says Tobin.

Another debt-reduction program is the First 30 Days. There are also blogs, like Carnival of Debt Reduction, that can help you modify your spending habits.