You can always change your finances -- all you have to do is get started.

We talk about it all the time, but yet find it hard to actually put our thoughts into actions. We all want to get out of debt, yet we continue to spend our money. We all want to retire one day, but we don't ever start saving.

If you have never actually started saving, gotten out of debt or stuck with a budget, it's time to start. Right now. How, you ask?

By taking it a small step at a time.

For example, the holiday's are coming up. Holiday shopping is a big deal to many Americans. Credit cards help carry the holiday burden. Set your goal right now. Don't put your holiday on the credit card.

Why pay for gifts for years to come when you can pay for them now and forget them. Simply start right now. Plan ahead. You can set up a Christmas account at your bank. A small amount is taken out of your checking each month and set aside for your holiday shopping.

Or add up how many gifts you have to purchase. For example, you need to buy twelve gifts. It is currently August. You have five months to purchase gifts in. Divide your purchases up and buy three gifts this month, three next month, three the next and so on. This spreads your spending out over time -- making it easier on your monthly budget.

You can adapt this method throughout the year. Buy Mom's gift in January, Dad's in February, your sister's in March, and so on. You'll have gift shopping to look forward to each month. And you'll miss all the last-minute crowds. It will be nice for your budget and your spirit.

One of the most important things to change about your finances is your long-term financial planning. Have you looked at retirement yet? Chances are that you haven't. But you should. Retirement will take up decades of your life. You want to be comfortable and stress-free during this time. It is what you work your entire life for.

Contribute to an IRA or your employer 401(k) program. The 401(k) is easy, as the money is deducted from your paychecks. You never even miss it. It is saving without any thought.

The earlier you start saving, the more you will have at retirement. You won't have to play catch-up or sacrifice as much.

Start by learning to make the most of your money. Form a budget. Constantly look for ways to live on less. It is an addiction. You start out by realizing how much you can save each month by eliminating your credit card debt. Then you move on to trimming other expenses. Finally, you end up looking at ways to save even more money, such as solar panels for energy and planting a garden for summer produce. It isn't what you would think. It is a lot of fun to watch those pennies stay in your account.