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Self-Reflection
Determine where you are right now. List all your debts, your habits, and what you think is holding you back. Once everything is down, you might feel pretty bad. It's ok to cry or be upset, just don't stay there long!
Make a Plan
No matter where you are now, you can make it better! You can't tackle everything at once, but you have to start somewhere. Think of which goal will be most satisfying to accomplish and make a plan.
Stick to it
This is, without a doubt, the hardest part. Get in the habit of thinking about your goals every time temptation gets in the way. Ask yourself, "is this going to get me closer toward my goals or farther away"