MSN Money - 3 steps to slaying your money demons

MSN Money - 3 steps to slaying your money demons: "Ever feel like you�re stuck in a money rut? You vow to do things better -- no more late payments! No more impulsive spending! And it works. For 36 hours. Then you find yourself making the same mistakes over and over again, as if you were possessed by . . . A DEMON."