The Plan

Ok, s0 here is my plan.
It is not perfected, but this is a work in progress!
First and most important, I must become unabashadly ( is that spelled right?) and unapologetically a "tight wad"!
I think I can so this, but how does one balance being a "tight wad" with creating meaningful, fun, memorable childhoods for the kids? Someone help!
I am reading "The Millinaire Next Door", it gives some interesting and surprising facts about our nation's wealthy. Lets just say most of them aren't driving Hummers and gaudy sports cars. I could have guessed it though. It only makes sense that you cannot give your money away for a bunch of things and expect to have a lot of money too, that is unless you are Bill Gates or Brad Pitt, and if you are would you mind donating your last 60 seconds worth of interest to my getting out of debt fund?? :)

Second, is to become DISCIPLINED
It really is the worst word. It's not my strong point, in fact I am the opposite of it, at least when it comes to money. I need heaps and loads of it to come close to adequate. Any one know of any discipline work-outs to strengthen this "muscle"?

Third, start putting 10% of take home pay towards one debt at a time till its paid off,. That is a lot of money to pull out of the air, but you can't build wealth till you are out debt, no?