Draft a personal budget
I drafted a personal budget for 2013. An honest one. Nothing fancy. Just a list of my revenue and my expenses so I can see where the money comes in and where the money goes out. I also did the same for my small business. Now I have a more realistic sense of exactly what lies ahead.
Gail Vaz Oxlade of the television series Till Debt Do Us Part has great resources on her site Debt-Free Forever. Her budget work sheet and get out of debt worksheets were particularly helpful for me.