What are your financial goals?

Write them down. Are you trying to get out of debt? Do you want to buy a new car? Any car? How about a house? Maybe you just want to stop living paycheck to paycheck. Do you have a 401k or any other retirement plan? What about your kids college (wedding LOL)?

Expert note: Financial guru, Clark Howard, says start your retirement fund before college funds for your kids because kids can get scholarships and grants and loans, no one is going to fund your retirement.