Start by sitting down and figuring out how much money you have. Then, pull up your credit card bills and bank statements to get an idea for how much money you're spending. That makes it a lot easier to build a budget and get a sense for how much you can save every month. If you're struggling, or you're behind on bills, prioritize paying off your current bills before you start worrying about anything else. Once you're all caught up on your current bill cycle, then you can start working towards eliminating your debt.