Getting out of debt will take time and an understanding of what your finances are. Just like someone lost in the woods, our initial goal is to figure out where you are and then work on a plan to get you to where you want to be.  Just trying to determine your current financial state will take some time, but it is essential to a complete understanding and setting yourself on the road to financial freedom.

Where you are at:

• List out all of your expenses (total debt, monthly payment and interest rate)
• List out all your income (monthly paycheck)
• List out net worth (house, car, stocks, 401k, cash in bank)

Where you want to go:

• What are your goals (write them down).
• Read a book on the subject- "Richest man in Bablyon"- easy read; on e of the best books ever written on the subject.
• Consult with a mentor- most banks have a financial planner/advisor