Here comes the hard part. When it's time to execute the plan, be sure to harden your will and stick to the plan! If you say you are going to spend just $1,000 a month on personal expenses, then do go out on shopping sprees and splurge on luxurious items. If you are tempted to stray from the plan, remind yourself that the situation is just temporary. No matter how hard it is, your problems will be over soon - but only if you persist!