In order to win with money you need a plan. Even if you are broke and living pay check to pay check, there's hope. I talk about two simple steps to get you started on the right path. First you need an emergency fund.  Emergencies are part of life - things happen, having the money set aside for them prevents us from going into debt to pay for the unexpected. Second, I talk about paying down debt using the debt snowball method. Tackling debt can be daunting. Having a simple to follow plan takes something that feels big and scary and makes it much more manageable. Taking control of your finances takes work but you are worth it.