Here's the key: Decide you're going to.
It doesn't matter if you have 27 cents left over after you pay the bills and buy groceries. It doesn't matter if you're only working part time and it doesn't matter if you've been in debt for the last hundred years. Once you decide you're going to do it, you can. And you will.
And that's the only secret there is.
Of course, there are methods and advice and ideas and some are better than others. A post at The Penny Hoarder called "The Ultimate Guide to Getting Out of Debt: A Step-by-Step Plan" spells it out in black and white.
Is it easy? Well, no. It takes some discipline and some planning, but that doesn't mean you can't do it. You can start as small or as big as you need to but the most important thing is to just decide to do it.
You can, you know.
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