So, you have some debt. When you owe people, you can feel the weight on your shoulders. You know that any big financial problem or trial in your life could completely turn you on your head.
The best place to start to get yourself out of that position is to make a budget. If nothing else, get started by listing out your expenses in a month and the income you take home. (Don’t look at your gross income, that will just make you sick 🙂 )
Then look at where your money goes. Do you spend a lot on things you shouldn’t? Do you waste a lot of money? Chances are, if you aren’t working off a concrete, written-down budget you are letting money fall out of your wallet daily.
Take some time to write these things down. Physically. Then take a week, month, or a couple months to actually track where your money goes. You may be shocked at all the holes you have in your finances.
Homework: Track your spending for 2 weeks (or however long your pay-period is) Then evaluate whether you can do some trimming, or whether you need to find some more income!