If you are thinking about going debt free, I HIGHLY recommend reading "The Total Money Makeover" by Dave Ramsey. I'm sure you're local library probably has it and you can find it at almost any bookstore. (Though the library is free, yay!)
After we read the book, we decided to enroll in Financial Peace University (FPU) and I think that really helps too. You can find locations and times on his website (and if you have kids, most everywhere has free babysitting). It is a 13 week course that teaches about all kinds of things. There are lessons in emergency funds, going debt free, the importance of different kinds of insurance, investing, and the list goes on. It was very motivating and helped us meet some people who were going through the same things that we were (and some people in completely different walks of life too). It was very very informative and really interesting, but then I kinda enjoy that kind of stuff.
I will warn you, reading the book and going to FPU makes you look at all the mistakes that you have made and sometimes its really hard to face those. I hated the fact that we ran up a credit card and that I took out so many student loans... if I had only worked a little harder or gone to a cheaper school. Since, I have overcome them and I'm happier that we found Dave Ramsey and know what to do with our finances now, instead of making mistakes and not discovering what the right thing to do with our money is until 10 years from now (other sentences will be better than that one, I promise!)
I think that a financial plan is SO SO SO important. Before we started this, we had no plan. We lived paycheck to paycheck, and we're trying to figure out what we wanted to do. Thankfully, we discovered Dave and have changed our lives and our lifestyle, forever! We will be millionaires by the time we're 40! That feels GREAT to say!
PS-Thank you for the comments, they keep me motivated! Its such a joy to see people I don't know reading what I write!!