A great book to read is How To Make One Hell Of Profit And Still Get To Heaven. By Dr John Demartini.

You have to get passion around your goal. Make the first financial goal(s) really achievable this builds your confidence. When you are about spend that money on something. Ask your self does it get me closer to my xx goal. If the answer is no spending that money doesn't, then you don't spend it. Imagine in your mind the feeling and picture of achieving that goal. This will continuely bring your goal back into focus and make it easier not to spend when it really isn't necessary.

All the best
Jane
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Financial Planner
Rivet Financial Solutions Pty LTD