Unless you are fortunate enough to win the lottery or some other lucky game, you don't get rich overnight.
Getting out of debt is the most difficult, more than getting rich. However, it is possible. It is a question of re-education and a lot of perseverance.
Having health, a brain, controlling anxiety, admit mistakes, assume them and changing your attitude. It is a sacrifice, but it is worth it.
So it starts there. Focus.
You will probably never be rich if you don't know how to control debt.
First it starts there, the so-called "Debt Snowball" and tries to slim it down until it fades and disappears. Cut into everything you can and don't need.
Then make the opposite movement: fatten the snowball, but in this case the "Snowball of Wealth".
You need some time? It's Ok, but don't stay all year thinking that you start only tomorrow.
Your gym is a kind of financial fitness now, making this new gymnastics a positive obsession.
It's almost like losing weight on fat and gaining muscle mass, metaphorically speaking.
Identify your "Enemy". That enemy can be temptation, impulse, bad habits, it can be many things. Does not matter. Identify this or these enemies that bring you uneasiness and anguish.
One of the big mistakes of falling into debt is losing the exact notion of what you owe, while there is money, until the day when you are obliged to take a shock of reality and you are unarmed.
The more you let go, the more difficult it will be to find the solution. Make a list of what you owe. See where you can start the 1st step to decrease it.
Change your mindset. If the Family is big, everyone has to be aware of that effort and make concessions. Everyone has to speak the same language.
Avoid selling assets, unless it is mandatory, if possible.
It is a process. Do your best. It is impossible not to start seeing results, even though these are initially tenuous. You immediately realize that this enemy is fallible after all.
Everything you buy, try to pay in cash. Avoid debit and credit cards, so you always know how much you have in your wallet.
Even though you continue to have debts, you always keep and reserve what is necessary for the essentials, that is, what you depend on to survive, namely food, renting the house, or medicines if you have health problems. Try not to give that up. Call it your emergency fund. An emergency fund must last for at least 3 to 6 months for these immediate measures.
Don't be tempted to use this fund for other things.
This fund must be real and physical, preferably cash. Keep it well.
Remember: these are baby steps, but they can suddenly become adult giant steps.
Be strong! You can do it! Everyone can!