I have found a few ways to help those that just can't seem to stop think when they are meditating. I my self am one of those people.
Here are a few things that one can do.

Don't think about clearing your mind. First off when a thought pops up push it out of your mind. Such as this

Sitting or laying and your eyes are closed a though comes about"
"What bill do I have to pay."
Say to your self " Stop, blue river fields of yellow flower." then keep trying to clear your mind. Do this every time a though comes about. Think of calming places that you like.
It always helps to have soothing music playing while you meditate also.

Another one is put a story line that is calm into your head.
Your standing in a middle of a field (imagine your self doing what your thinking about) As you look around there is a white rock stone path. You decide to take this path. As your walking along a path you come along to a closed door. Suddenly around your neck a key dangles. You take off the key and open the door.
Walking through the door you find your self in a different world and the white stone path keeps going. On your travel along the white stone path you see flower with little faries dancing on them. You see dragons flying in the bright blue sky. You finally come up to a forest as you walk the white stone path. In the forest are little woodlen creatures finding food or just playing. You start to hear running water.
Walking further you find out where the sound of running water has been coming from. There is a river moving quickly under a wooden bridge. You decide to walk over bridge to only find your self in....
A place that you would like to be. Such as a lake with water falls, a feild of flowers and other faries, and or a cave filled with a dragons treasure.
There you spend some time. You could imagine talking to some one that might be there. Or possibly a guide that will help you with many of your other meditation travels. once you feel calm and ready to go get leave the place that your at. Walk that white stone path through the wood and feilds back to the door. Open the door, close and lock it then open your eyes.
There are other ways to meditate for the unsteady mind. For now this will be all I will post. I'll post other ways at another time. If any one wants to add or ask any thing please feel free to do so.