1) We admitted we were powerless over spending and money and that our lives had become unmanageable.

2) Came to believe that a power greater than ourselves could restore us to sanity.

3) Made a decision to turn our will and our lives over to the care God, as we understood God.

4) Made a searching and fearless moral and financial inventory of ourselves.

5) Admitted to God, to ourselves and to another human being the exact nature of our wrongs.

6) We were entirely ready to have God remove all these defects of character.

7) Humbly asked God to remove our shortcomings.

8) Made a list of all persons we had harmed and became willing to make amends to them all.

9) Made direct amends to such people wherever possible, except when to do so would injure them or others.

10) Continued to take personal and financial inventory and when we were wrong, promptly admitted it.

11) Sought through prayer and meditation to improve our conscious contact with God, as we understood God-praying only for knowledge of God's will for us and the power to carry that out.

12) Having had a spiritual awakening as a result of these steps, we tried to carry this message to compulsive spenders and to practice these principles in all our affairs.