(1)
Work at least 40 hours a week at a decent paying job with some weekday time free.
(2)
Use your spare time to find and close unnecessary spending. Also, take a look at all your debt and do not borrow for anything at this time.
(3)
Set up automatic payments to an IRA or 401k. Make sure you're properly insured. (health, home, auto etc) Also, open an emergency savings account.
(4)
Focus on your job at this point! Increase your working hours to 50 - 60 hours a week.
(5)
Pay off your debts! Make minumum payments on all your loans except for the one with the lowest balance. Whenever you get paid, pay off as much as you can on that specific one. When it's paid off move up to the next lowest balance. Repeat this until they're all paid off.
(6)
Max out contributions to your retirement plans and build your emergency savings account until it amounts to at least three months of your income.
(7)
You should be able to live comfortably beneath your means. Remember, money isn't that important. However. the lack of it is an inconvenience, and debt can ruin lives. God bless!
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