Right.  I think one of the reasons it has taken me so long to really address this and actually do something about it, is because I haven't really even known where to start.  For example, how much should I be using to pay down debt vs how much should I be setting aside in case of unexpected expenses?  I have a tendency to spend what I earn, whether that be on bills or day to day expenses.  I'm also not entirely sure what a realistic timeline. Also, my debt-to-income ratio won't be improving anytime soon, so how much will that impact it?

Thank you again for the advice!