Money Action Plan

 
Make a budget and stick to it
Stop buying nice to haves, become more frugal to the degree that it balances well with your objectives and your desired lifestyle. not many of us will want to live an excessively modest lifestyle, but remember you have to make a deliberate choice here.
Set short term and longer term goasl, track your progress and celebrate success when you achieve a milestone
Keep in mind the power of compounding interest to motivate you
Pay off your debt
Don't incur any (more) bad debt
Sell some things you don't really need
Make your first investment wisely and it all gets easier after that