How does one change?

Knowing that something needs to change, how does one go about making those changes?  I feel that so much needs to be corrected that it is overwhelming and I just don't know where to start.  Yeah, I realize baby steps but where to even set my foot?  I have a feeling that the FlyLady and Dave Ramsey are going to be instrumental in this change but is it too much to start at once?  

I'm in over my head.  I know this.  I also know that it is possible to juggle everything and still be relatively happy.  It's a matter of just getting off my lazy butt and doing all of these things!  I think this is going to be short, I should probably get off my rear like I'm talking about :)