Next you should:

If we continue with our "I need more money" problem, then we can break it down into smaller problems to solve like: 1) How can I cut back my current spending to save some money? 2) Which debt is the smallest one? What are the minimum payments on each debt? How can I meet the minimum payments on each debt? 3) How much can I put on the smallest debt per month? How long will it take to get rid of? So on and so forth, until you have a staircase of smaller problems instead of one huge one that seems impossible to tackle.