How to recover after hitting rock bottom??

I really am ready to change and undue all the damage,
I've done in the last 2 years. The worst part is the debt my bad habits that i could not control got so deep
What's a good way to start over???

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SW-User

Review your debts, income and spending habits.

Cut out any unnecessary spendings, and aggressively pay off your debts.

Go into full eco mode. Live below your means and make the appropriate sacrifices.

RadiantRose · 31-35, F

@SW-User Thank you , if i do that i can be good in a years time.

SW-User

@RadiantRose great, definitely do that. Once you finally pay off your debts, open up a savings account and spend the next six months putting that money you would have otherwise put towards your debt into that account for emergencies.

Eventually, you should be able to start funding your retirement account and treating yourself as a reward... think.. a nice vacation or spa week.