Getting out of debt will not happen overnight; it takes time. Here are the Baby Steps that will get you started:
Step 1:$1000 in an Emergency Fund.
Step 2:Pay off all debt with the Debt Snowball.
Step 3:Three to six month expenses in savings.
Step 4:Invest 15% of income into Roth IRAs and pre-tax retirement plans.
Step 5:College funding.
Step 6:Pay off your home early.
Step 7:Build wealth and give.