With luck, we've given you more than a few options you can use to get your arms around your finances, Frugally Frustrated. It can be difficult, especially when you feel like you're barely treading water, to really put things in place, make a budget, stick to it, and get organized, but it's necessary. If you want to dive in head-first, you can always take a day off and put yourself through our financial boot camp , but make sure you review some of these other options first. If help is what you really need, you should get it from a qualified professional who can actually guide you in your own best interest. Then, once you're off to a running start, you can grab the baton and carry on from there.