It’s so easy to allow instant gratification to steal us away from the reality of our financial position. Now, in order to change course--find the one area that is your biggest culprit and simply replace that with a lower-cost, healthier option. This will start you on the path of reducing your monthly expenses to fit within your means in order to take the margin that you will then build by doing so, and using that toward outstanding debt caused by living beyond your means.