Blackbox, you have already taken the steps toward the goals you are looking for. Any and all systems or path will lead you there. It all originates from desire, awareness of one self and intentions toward a positive well being, all of which you have. The positive attributes you are looking for are already there it only takes you to recognize it and continue to nourish your hearts desire. The SFQ will only be a catalyst to help you with something you already have or are capable of. Throw it out to the universe and look around you for the signs of where to flow next. Once initiated (awakened/open mindedness etc) it becomes apparent that all, which is around you is here for your benefit for learning and growth mentally physically and spiritually. Keep the open mind and enjoy the adventure the rest will happen naturally.
The issues you claim you want to get rid of are/were there to enlighten you and teach you. Don’t look at them as anything bad or negative in nature look at them as positive lessons learned. These lessons learned are completed, as indicated by your desire and awareness. Now affirm that they no longer serve you, let them pass or fall off as you move forward and continue what you are doing, all will eventually fall into place.
Also heed Bluebirds comments on the issues of credit cards. It is potentially an endless trap that can cause needless frustrations for eons to come. In setting the example for yourself as Bluebird mentions you will be able to help others avoid further financial frustrations and may develop some insights on how to get around the lure of the credit trap. Good luck and let us know how you make out 
[This message has been edited by Ascending1 (edited December 19, 2003).]
