Guilty pleasure of mine ... watching shows about Vegas. Back in my debt days, I could take a trip to the Las Vegas Strip, drop a couple grand on the craps table and not bat an eye. Nowadays, I just stick to watching it on the tube. So imagine my surprise when it's revealed that Mr. Magnum P.I. himself, Tom Selleck, is joining the cast of NBC's "Las Vegas". He's been out of the action for a while, but he's back and taking names.

Only in Hollywood can you jump right back into something and not miss a beat, baby. It's not the same when you do the Dave Ramsey thing and get out of debt. If you take some time off from deep-sixing your debt, then it gets tough to just go right back into things.

Get some momentum on your side and keep it there. Don't make a budget and stick to it for a couple of months ... make it part of your life. When you find ways to save money, don't go back to doing things the old way. The more time you spend broke, the less time you have to be getting rich, bub.