Pay Off Your Debt
With most personal problems, the hardest part can be admitting to yourself that you have a problem.
The same holds true for financial problems. Many people may feel ashamed of their money troubles and instead of trying to fix them - either alone or with the proper professional guidance - ignore their problems, thereby making them worse.
The only person that can get you out of debt is you. It takes planning to set a goal and discipline to stick to it. But when you succeed, the rewards are worthwhile.