So, Brady Quinn's having a tough time getting used to playing for the Cleveland Browns. The No. 22 pick in the NFL draft is learning the offense, getting used to the speed of the game, calling the right signals ... the whole nine yards. He'll be all right after some time, but it brings up a point.

When you're new to something, you may have to fight through it just to get your ducks in a row, baby. It's the same deal with a total money makeover. Selling that car (and deep-sixing the car loan that goes with it) can be a tough pill to swallow, but it's worth it. Cutting up those low-rate credit cards may put a knot in your stomach, but so what?

Once you've been rolling along for a few weeks and you're in the swing of things, then living without debt will be old hat for you. Fight through the rough stuff, and you'll be smooth sailing soon.