Jane was a fun loving girl from Birmingham, you could say she lived for today. She wanted all the latest fashions and gadgets and certianly was not afraid to use her credit card to pay for them.

In February of 2006, Oprah had three financial experts develop a debt diet to help people eliminate their debt problems. The debt diet is broken into two phases, each one with four steps. Read more to decide if the debt diet is right for you.