If your financial picture is rather bleak, assessing your financial situation may have been difficult for you. Taking the next steps to establish a written budget that you're going to be living with for the next few months and years, probably isn't going to be any easier.

Even if you're the type who likes to plow through one section to the next, you might want to take a break for a few hours or overnight. Don't give up here, though! Just take a short break, inhale deeply, and get ready to change your life for the better.