Debt will overshadow over half of British households this year but Shropshire businesswoman Diane Cossie has a system to help people overcome debt.
The idea developed after Ms Cossie found herself spending more and more money she didn't have, and finally told herself: "Enough is enough."
She cut up her credit and store cards, retaining just a debit card - and set out to find a simple way to help others. The result is Control Freak - a recipe for freedom from debt.
It is being sold on her website, controlfreakltd.co.uk , for £4.99. Diane, from Shrewsbury, said: "This really is a recipe for a life of debt freedom; a simple system that takes little effort other than the willingness to take control. A life without credit cards and debts may seem impossible, but I can demonstrate it is not only possible, but reality."
It took Diane two years to perfect Control Freak.
"I was one of those who thought I'd never be able to jump off the credit card spiral," she said.
She started by looking at where her money went.
"That was an eye-opener because I'd never really bothered. I bought shoes and clothes and if I was a bit short, it all went on a credit card," she recalled.
Once she started tracking her spend, she noticed she was starting to get more careful and worked out where she would be if all she worried about was food and utilities.
Diane looked at her credit card statements and worked out adapting the snowballing reduction technique - by focusing on one debt at a time - would mean she would fairly quickly be rid of debts.
"I cut up all my cards except my debit card," she said. "It was a huge leap of faith."
With a lot of tweaking, Control Freak emerged.
"This is an educational product designed so the user starts to look at life differently. I've deliberately written it in simple language, with a touch of humour," she continued.
Using the workbook and a cashbook, users have the information needed to apply the Control Freak recipe, she claims. "The good news is I've found the techniques can apply to disposing of a mortgage a lot quicker," she added.
So what will the credit card companies think?
"They are now discovering the rewards of making credit too easy, as many of their customers face bankruptcy. Without debts people will have more money; the economy will benefit," she said. A printed version costs £50. Ms Cossie wants to see it used in schools, demonstrating to children how controlling money helps.