1. TAKE CHARGE OF YOUR FINANCIAL LIFE
It`s quite challenging that one is in a tight financial situation. However, progress is certain because you have recognized that you in a pretty bad financial state. Hence, You should take charge, you might need to be brute sometimes with your financial engagements. It is not just about the money, being in debt can put in a terrible health state (both mental and physical).
Here is what you are going to do, take track of finance
Make a list of all the rent or mortgage, utilities, insurance, groceries, car payment and get the total sum. Set aside some amount of money for it regularly (weekly or monthly).
Decide that nothing under heaven will make you touch this amount of money for anything else.