It’s about time you really think about your debt and focus on just how much debt you truly have.  There are so many people that have absolutely no clue and if they know, more than likely they’re spouses don’t know.  It is essential that you get in the mode to getting on track and mapping out your repayment plan to include the accrued interest. Gather every bill you can find create a see just how deep in debt your really are.  At this point you can total all your debt and start your plan to paying it off.

Know Your Credit Score
Did you know every year you’re entitled to a “Free” credit report?  All three credit reporting bureaus offer this option absolutely free.  The wisest step you could make is getting your credit report at least once every four months.  This way you can ensure that you’re not a victim of identity theft.   It is critical that you’re aware of your credit score.  Then you can begin paying off your debt and watch your credit score grow.  Remember the higher your credit score the lower interest rate will be.

Prioritize your repayment schedule
First thing first: The necessities are top of the payment schedule.  These are expenditures that you need to live and include house payments, utilities including the phone, transportation car note and gas, food and child support.  While current living expenses are critical they also include keeping up with medical insurance to alleviate the worry of the ability to receive medical help in the event of routine doctors visits to emergency medical care.  
Secondly take care of those tax issues.  If you are like hundreds of other people who owe the government back taxes you want to make sure you have the money to pay them back.  The IRS will work out a payment plan and set up a comfortable payment schedule to fit your monthly expenditures.  On the other hand you want to make sure you are continuing filing your taxes each year, that way you are not penalized by interest on your balance.
Aside from tax payments include as a second priority any other governmental loan payments like student loans.   These also have interest that is added to the loan principal and because this interest grows at a rate that can get out of control you want to avoid being delinquent on these payments.  Not to mention the fact that your wages can be garnished or your tax return could be seized.

The third and final portion of your priority list is every thing else.  This includes any debt like credit is debt card department stores payments etc.  If you’ve received credit from furniture and appliances companies these are consider debt that should be placed on the back burner.  Not to say don’t pay them but make payments after everything else on the top of your priority list have been paid.  In other words when those months come that you only have enough to cover the priorities these bills can basically be put on hold.