Understanding your money habits is a good way to start facing money problems and making goals that support your financial health. If that prospect seems overwhelming, don’t panic. You don’t have to do everything right away. Choose one manageable task each month until you feel you have a good grasp on your financial situation. Maybe this month you can start a spending diary (where does your money go? write down every dollar you spend for at least one week), consolidate or defer student loan debt (while you are on the phone, ask about income based repayment plans) or save something (no amount is too small) via automatic debit.