What are your regrets? Committing to five years of car payments when the old vehicle would have run another 50,000 miles? Cashing in the 401(k) instead of rolling it over? Using plastic for that birthday getaway weekend? List them, own them, learn from them, and then let them go. Continuing to mull over missteps only bogs you down. "Improving a relationship, whether it's with your spouse or your finances, always begins with rigorous honesty," says Paula Langguth Ryan, author of Bounce Back from Bankruptcy (Pellingham Casper Communications).