Debt Reduction
The number one thing I recommend to those looking to improve their finances is to start paying down bad debt. This includes credit card debt, student loans, and any other high interest personal debt.
Learn the steps you can take to pay down debt, how to make a financial budget to help paying down debt, to some of these things you might just need to sacrifice to get out of debt (don't worry, it's not hard).
Once you're debt free, you will feel a huge weight lifted off your shoulders!