Mentally commit to getting your financial "house" in order. If you write it down and review it daily, you'll be more likely to stick with it.
Set a plan to pay off your credit cards, beginning with the account bearing the highest interest rate. Once done, go down to one credit card and pay it off each month. Allocate the balance saved to building up an emergency reserve and retirement.
Pay yourself first and save at least 10 percent of your gross earnings. Auto invest is the way to go. What you don’t see, you won’t spend! 401(k) and 403 (b) accounts are the place to start, especially if there is an employer match. But don't just participate to the match. If you can save more, do it! It’s providing a tax deduction and building tax deferred, the "magic" of compounding.
Change your daily habits. Starbucks and lunch once per week as a treat! It’s better for your health and finances, and your waistline will love you. Just cutting these down to once per week could be a few thousand dollars each year that can be saved toward your children’s college and retirement. Imagine what that savings can look like over time.
Revisit your insurances: life, disability, car and auto, as well as long-term care. Not only do you need to build your wealth, but you need to protect it. And you may find that your needs have changed.