Getting out of debt will help you in so many ways and truthfully it isn't that challenging once you get the ball rolling. It all starts with first recognizing that debt is an emergency, no matter how you justify it in your head. This post will teach you how to cut some variable expenses and how to track your spending.
For the current month, list the money you aim to spend in each category. This is your new adjusted spending goal. Maybe you were spending $800 on groceries and now your goal is $400.
Weed out and cut down on excessive categories. After back-filling 2-3 months and setting goals, now you can begin to target the areas where you spend the most money.
Figure out what % of your earnings are getting spent on variable expenses and really limit that. Take the monthly expenses and divide it by the monthly earnings. The goal is to work towards the 80/20 rule.