Do it. Ramsey's style isn't to my taste, but he talks a lot of common sense and he knows how to light a fire under people's arses!
In the spirit of Ramsey, bear with me while I evangelize at you for a minute
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The first step, baby step 0, should be a written budget. I swear by youneedabudget.com - it meets Ramsey's specifications perfectly. I lived paycheck-to-paycheck 18 months ago before I started using it. Today I have €60 budgeted for Christmas 2015. With
no conscious sacrifice whatsoever, I now have a €500 a month surplus. It's mind-altering.