Personal trainers are a wonderful thing because they keep the individual on the straight and narrow to reaching their fitness goals.
I'm always amazed that these people love the pain that comes from working out, but not when it comes to financial fitness. I will undoubtably see a person walking funny and when I inquire as to what's wrong, the response is usually "My personal trainer went extra hard on me yesterday. I'm glad he did it though, I like the soreness."
Too bad the same couldn't be said for your financial pain. It's been my experience that people are unwilling to endure the slightest financial pain, for future gain. Your current pain is your future exponential gain!