What's the very first step in getting out of debt?→

I remember the day (or night actually) I got fed up and decided it was time to get out of debt once and for all. I was heavily pregnant lying in bed reading a book and I felt Ryals kick. 

Maybe it was exhaustion, maybe it was emotion, maybe it was hormones but I started weeping. I realized that if we continued in our current financial state we would always be in debt.

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