Okay, let's take this one step at a time. I'll have to be brief, because I have a crapload of resumes to send this morning.
1. Debt--I'm sure somebody out here can help you with specific resources, but I know there have to be strategies for tackling this. Mrs. Cat and I only use our credit card for emergencies, for instance.
2. Smoking--Check out my wife's favorite non-political forum:
http://groups.msn.com/FreedomFromTobaccoQuitSmokingNow/messageboard/genShe smoked for 13 years, tried everything and still couldn't kick. Then she found this forum, quit cold turkey (the only way--I did it too), and has been smoke-free ever since.
By the way, for a shocker, calculate exactly how much you spend on cigarettes in a year. Try putting that away toward you debt.
3. Weight--Yep. Mrs. Cat and I have been walking 4 miles per day, doing pilates every other day, and avoiding all sugar. We eat regular portions now, though, because when you try to starve yourself, your body goes into fat-conservation mode.
4. Counseling--Don't even get me started on this. Unless you're suicidal or agoraphobic, my opinion is that counseling is not productive. If I say any more, I'm going to offend someone. My opinion.
5. Starting a family--Yeah, we were in that spot, but you know what, I know so many people who are damn near broke who seem to be able to have (and feed, clothe, nurture) kids, I say go ahead! There is never a perfect time to have kids.
6. Marriage--Keep communicating, at all costs. And, schedule fun!
7. News--Again, don't get me started! Do what you can to create the world that you want.
Other ideas: Mrs. Cat is volunteering with a literacy program for inner-city special ed students; try finding something that you feel is important, and spend some time doing it. I also find that writing and playing music helps--and it's free!