Bozena,
You are taking the first step in recognizing that you need to make some changes.
I always start with a Spreadsheet an list everything, write down all the interest per month an then wages that come in/expenses that go out.there are some great free downloads for this all over the net.Once you see it all on paper, then look at budgeting your money,that is how we started 10 years ago.It will be very tough in the beginning (an at that point most people just give up)DON'T…It does get better an easier..Start with the steps above first an then see it all in black an white an then re-evaluate.
TRACTION