Dave, welcome. Id firstly like to say I think your not having serious problems. The only real indicators of measurement you have written in your posts are that your in $50000 debt, your apartment is messy, and you may be a heavy smoker.
Firstly look at your advantages. You're in your mid 20's. Same as me. You have another 50+ years to live! (Quit smoking and make it 60+) Lets start small and think about how we can manage your budget so that with time it automatically starts to reduce itself. Like many posts you may see on this site, draw up a rough budget, and allocate some (doesnt have to be large, as long as its something) funds (on weekly basis) to pay your debt. Start up an ING account for this if you want to.
You mention positives in your articles, some qualities that even the best of people dont gain till their latter years. Dont think of yourself as a slacker simply because you didnt mark off some daily goals. Go easy on yourself. This is very important when moving onto a path of self improvement and development. Do only a very few things (stuff that will get you where you want to go) per week and then slowly build on that.
If I were to give you advice on what else to read, have a look at Think and Grow Rich by Napoleon Hill. download Brian Tracy tapes, listen to audio book by Dr. N. Peile "The Power of positive thinking".
All excellent material on changing the mind to positive thinking. Once you do this, rest will follow.
Btw, what part of Sydney you in?
