Compulsiveness can be replaced by diligence. We can develop the self-control to be diligent in our financial matters and in other matters. We plan a budget and only spend on our goals—the things that are important—and we do not spend on anything else. We realize the spiritual importance of living within our means and then we do it. We remember what the Lord said to the prophet Joseph Smith: "And inasmuch as you are diligent and humble, and exercise the prayer of faith, behold, I will soften the hearts of those to whom you are in debt, until I shall send means unto you for your deliverance" (D&C 104: 80).

If you are diligent and humble, the Lord will help you as you strive to get out of debt. But you will need His help.