Cash-flow reform project: Getting started

OK. So, who doesn't worry about bills? I'd say nobody. I've always been a bit up-tight about dealing with the monthly financial obligations. I admit that my first act upon winning the lottery (that I don't play) would be to pay off all debt. Start fresh. Then go on vacation.
debsquared  loaned a book to me a week or so ago on coming to grips with this universal issue. I'm writing stuff down to help with my reading comprehension and all that.
My initial reaction to this book is derision and irritation. She spends a large number of words reassuring me. I don't want it. Just give me the suggestions on how to implement your ideas. Clearly I'll need to re-figure out how to skim to make up for this choice of style.
Part of my impatience is that I've already started to do some of the stuff she suggested w/out prompting.

( stuff I have already started: )

( 3 more tidbits: attitude, choices, paying oneself first )

So, that's where I am after 49 pages. I admit to not loving this, but I see many of her points.

Rhode Island Residents

Do I know anyone with a RI address?