Set a budget, trim those excesses, like lunch out or lattes. A hard thing but necessary for a while. Save, save save--even if it is just a few dollars. Have an online savings account and set it up to be able to transfer directly from your checking account. Every time you get a paycheck be sure something gets transferred to the saving even if it is $5. Never go one paycheck without putting something aside.
As the account grows, you will find it is fun to see how much you can put in. In the middle of the month, if you see you have a little extra--instead of buying that DVD, transfer the money to savings. The money will aways be there for you, but you have to start somewhere.
Debt reduction is imperative, but you must still put a few dollars aside. Start on one debt--the highest interest and again this can be done online and pay on the debt every time you have a little extra.
When one debt is paid, take what you were paying on the first debit and add to it and begin on the next one.
It can be fun and believe me once the stuff is paid off, you do not want to go back.