Putting a plan in place is the best place to start. You can start with a budget and a current and a projected cash flow. A good budget will identify your current monthly income and your current monthly liability. Focus on paying down your higher interest rate liability such as credit card and loans. Once your liabilities are paid off stay away from using credit card and loan to purchase discretionary expenses. Once all liabilities are paid down you can focus on saving to build up your net worth.