1. Admitted I was powerless over buying clothes at H&M and margaritas at Caesar's - that my finances had become unmanageable.
2. Came to believe that a Power greater than myself could restore me to sanity.
3. Made a decision to turn my will and my life over to the care of a Debt Consolidator.
4. Made a searching and fearless moral inventory of myself.
5. Admitted to my homies, to myself, and to all bill collectors being the exact nature of my wrongs.
6. Were entirely ready to have the Debt Consolidator remove all these defects of character.
7. Humbly asked my Debt Consolidator to remove my shortcomings.
8. Made a list of all persons I had harmed with my frivolous spending, and became willing to make amends to them all.
9. Made direct amends to such people wherever possible, except when to do so would injure them or others.
10. Continued to take personal inventory and when I was wrong, promptly admitted it.
11. Sought through turning my head away from store fronts and bypassed bars to improve our conscious contact with the Debt Consolidator as we understood the Debt Consolidator, praying only for knowledge of their will for me and the power to carry that out.
12. Having had a fiscal awakening as the result of these steps, I tried to carry this message to spendaholics, and to practice these principles in all my affairs.