The first step is knowing that you want to be prepared, and aren't, and you have already taken that big first step.
On another thread someone mentioned breaking it down into blocks of time, like a week, two weeks, a month, etc., and getting prepared for a week, then two weeks, etc. and building from there.
Doing a week's worth is a piece of cake, just like going camping. Then, do for a longer 'camping trip', and build on that.
I buy stuff on sale at the grocery stores [I read ads from 5 local ones and a local drug store chain and watch in-store sales that didn't make the flyer], and stock up on stuff every time I go to the store. I am always on the lookout for a bargain for things we need, and that includes shampoo, toothpaste, edibles, etc.
As MGD said, debt is a millstone around your neck; get rid of it as fast as you can, making sure that you leave some money for prepping.
It may help to sit down with a piece of paper and a pencil and write down what can happen [not in an earthquake or flood, necessarily, but in any major emergency] and what you would need to respond to that and make a list to plan with. For instance, how will you wash dishes? That requires soap, water, dishpan, towels and someplace to drain them [not in that order, but you get the idea]. Well, you look around and you already have a dish drainer, a dishpan, and enough towels, so what else do you need? Soap and water [and maybe something to heat the water with]. Water is a general item, and you can look into a capture system or tank, but soap - well, figure out how much you'd use in a week, multiply that out for how long you want to be prepared for, and make that a target. Not a ohmygawd-gotta-get-it-now item for this week, or next week, but as you go, when it's on sale.