So You want to save money and get out of debt? This is actually the first step. Admitting that you need to get out of debt is how you get going. A lot of people don't like to admit there is a problem. If you can not do that then you will not be able to go any farther.
You have to start by admitting that you got yourself into a bad spot and now you need to get out. Many people spend their years spending and digging the whole and then when they retire they have no way to take care of themselves. They end up creating debt and then when they are gone their family has to take care of the problem. This is not the position you want to leave your children in.
You have to commit today, right this minute that even if you do not want to take the steps I have used that you will do something to improve your finances. You have to get the whole family on board and make sure they know what you are working toward. If you are saving and your spouse is still over spending it will get you nowhere. Have a family meeting immediately and put down your foot. Make it known that the family needs to make some changes for a better future. If you are single then you need to make this commitment to yourself and hold yourself accountable. Your future depends on you doing your part.
If you are ready to improve your finances then stick with me. I am going to walk you through different ways that will help you get things under control. It is not going to always be easy but you are going to be happy you did it in the end.