1. Pay off the credit cards then the student loans. If you have balances on multiple cards, pay off the one with the smallest balance first so you feel the progress. Then....
2. Build an emergency fund, shoot for 6 to 8 months of expenses. No job is safe in this economy. Then....
3. Start building wealth. Like saving for the house. Find a house you can afford without living in poverty for everything else. Worst house in the neighborhood you want to live in and then put some sweat equity into it. Especially if you have handy friends and family. Investments are good, too.
I use an app called YouNeedABudget.com. It is an online checkbook AND budgeting tool. It was the only app I could find in 2016 that did both. There may be others now, but I've found no reason to change.
Happy adulting!
