In the book "Til Debt Do Us Part", by Dr. Bernard E. Poduska, the root cause of many financial problems is behavior problems, not money problems. The following short excerpt is very concise and very helpful for those who face these issues. It is available here with permission from the publisher.
Financial Principles and Values
Financial Management Suggestions
Identify the Emotions Associated with Types of Behavior
Behaviors Associated with Effective Financial Management
The above outline may be found in its entirety in Til Debt Do Us Part by Dr. Bernard E. Poduska. (published by Shadow Mountain, Salt Lake City, Utah, Copyright 2000, Used by permission. Photocopies prohibited by law.)