Many of you probably already know this, but debt is the biggest obstacle to becoming financially stable. I read a lot of online blogs and found the debt snowball to be the best piece of advice. Tackle debts one at a time from the smallest to largest (snowball effect). You can then move onto the next one and spend the payments you were making on the previous debt to pay more on the next. There are numerous great sites about this technique including criticisms (like how you should be tackleing the debt with the largest apr first...) but it's all good stuff to read and think about.