I meet people all the time who can't seem to move off center; good people who truly want to change their circumstances for the better, but seem to be paralyzed.
My advice to you is to start with some action, however simple, rather than gargantuan or complicated. Be proactive, even if that action is simple.
When you are proactive it puts you on the offensive and, all things being equaul, gives you control over events. However, when you are inactive it puts you on the defensive and limits you to a position of weakness.
If you find yourself in debt, then you should take action. You see, inaction is a negative form of action. Inaction yields consequences by default. In other words, inaction yields consequences which you DO NOT control!
You want, you should, control your financial life. If you're waiting for everything to be "just right" before taking action, you may be falling into a fatal trap. Don't fear change. Instead embrace it as one of the most exciting aspects of life.
How exciting would it be if you could CHANGE your financial situation?
I'm here to help you make that change. I'm here to help you take the first step. The first step is to simply contact me. After the first step, I'll push you, propel you, and motivate you to take the second, third .... steps.
Michael Mack, Attorney a/k/a The Credit Man