The first thing anybody needs to do to get on top of their finances is to get their spending under control. You have to spend less than you make each month. To do that you have use the dreaded 'B' word, a budget. But it's really not so scary. I prefer to call it a spending plan. Back when I was in debt, I discovered a software program called YNAB which is an acronym for You Need A Budget. This software has literally saved my financial life. It is the best budgeting software money can buy in my opinion. Quicken lets you look at your spending after the fact while YNAB plans how you want to spend your money as soon as you receive it and before you spend any of it. Before YNAB, I was always living on the edge of my bank account and often dipping into overdraft. Now, I always have thousands of dollars in my checking account with no worries about bills as everything is accounted for. The YNAB philosophy and software is governed by four rules: 1. Give every dollar a job 2. Save for a rainy day 3. Roll with the punches 4. Live on last month's income The method is outlined here: http://www.youneedabudget.com/method The main web page is here: http://www.youneedabudget.com There's also a free companion app for smart phones that allows you to enter purchases at the point of sale and it syncs automatically with the software on your PC or Mac. You can also import transactions from your online bank or credit cards. They also offer free online classes, great online support and videos, a there is a great forum community. As you can tell, I'm an evangelist for this software at it has given me control of my financial situation. If you're serious about getting out of debt or you just want control over your money, YNAB will not steer you wrong.