One of the first steps in getting control of your money, finances and debt is to set up a budget and to track your spending.  You need to write down every monthly bill you have and the amount of it.  Also write down when they are due every month so you know how to plan out your bill payments.  Another thing to do is keep track of your spending.  It helps to write down all that you spend and keep a running tally as you pay bills and buy other things.  The more you keep track of it the more in control of your spending you are.  If it is wrote down you wont be thinking where did that $20 from last week go?  So write it down and plan out your bill payments.  These two things will help you a lot and feeling like you are in a lot more control of your money!