Here's a suggestion: How about talking to your equally naughty brethren online.
Social online finance company Geezeo recently launched a feature called Money Confessions. Users can confess their spending sins, either publicly or anonymously, in the attempt to get them off their chest.
Here are some more Geezeo declarations of financial guilt to get you thinking about your own transgressions:
From user katiemccaskey: "(sheepishly admit) just bought the "Hip Hop Abs" DVD set on eBay, $40. Now, about actually using it ... white woman/no rhythm ..."
Anonymous explains that he or she uses "ATM Money like it's candy."
Dcancel can't stop buying anything with the Apple(AAPL) logo on it. "The packaging is just too pretty," he explains.
And zuramchik asks, "Is there any way to pay a $5200 bill with only $1500 bucks....please?"Geezeo founders Peter Glyman and Shawn Ward suggest that seeing other people that are struggling with similar financial difficulties can help with coming to terms with your own financial situation, or even getting out of denial about your finances. Re-examining your own money can be the first step to getting back on the road to financial health.
Glyman and Ward say that they began noticing in Geezeo's extant social networking groups that users were often posting their financial concerns for discussion with other group members. Money Confessions was created as an extension, placed to the forefront of the site, with the new feature allowing web users anywhere to voice their confessions anonymously.
And for those ready to make the step that follows acknowledgement, Geezeo offers free tools that allow you to keep track of your own finances or budgets as you make purchases. See your dashboard change from green to yellow to red as you approach and then exceed your allotted funds.