Set Up Your Magic Money Plan is what I and a few family and friends have done to clearly define and take actionable steps to get our finances and credit in order and some pitfalls to avoid along the way.
You get overwhelmed thinking about your bills - there's a solution for that.
You have anxiety talking about your credit - here's some info to give you power and some steps to take to improve it.
The point is to make you less scared of your own money so you can get to the point where you can start building wealth.
Here's the starting point we used and some we wish we used earlier. Hope this helps you too!