Often, the hardest part in getting out of debt is taking control. Your first step is to analyze where your money goes each month. Most people have a handle on the larger fixed bills like car payments, or your housing costs, but still wonder at the end of the month where all the money went. As you investigate your monthly expenses you should distinguish between the things you need and those that you want. By reigning in those wants you can work towards the financial goals you have set at a greater success rate.