[reemrevnivek]

Dave Ramsey's Financial Peace program (not reality TV, a and "Total Money Makeover" (a book, even though it sounds like a reality TV show) does delve into how to take a deeply-in-debt situation and start budgeting properly.

Step 1: Create an emergency fund with $1000 (as a rough starting point, your financial situation may be different) to handle the unexpected and avoid making more debt. Adjust the $1000 number based on your income level and possible expenses. A homeowning breadwinner with a wife and kids would need a good deal more. See: http://www.daveramsey.com/new/baby-step-1/