person A: i hope to be able to get my finances in order by the end of the year
person B: Do you have a plan made up?
person A: i'm working on it 
person B: I think you can do this_comma_ I'm proud of you.
person A: thank you so much i'm really trying.
person B: Whats your first step in the plan to get back on track?
person A: not using our credit cards and put money in savings