Sometimes when you’re in a tough financial hole and you have to dig yourself out, it’s difficult to start. The reason is because of the immense size of the problem. You have to break it down into smaller steps that make up the larger plan. This makes it more manageable  and makes it less likely that you’ll get discouraged. What you should tackle first are the big things. By doing this, you get the hard stuff out of the way and you’ll see instant results. The big things could be selling your house and downsizing, choosing to refinance or selling your belongings for quick cash. Afterward, you can do the smaller things, the lifestyle changes like cutting back that are harder to do, take longer and have a smaller impact on your finances. Don’t plan too much too soon, take baby steps. The key here is to not get discouraged, know that it’s never too late, and every little bit helps.