1. Be mindful of your spending. Whether you want to lower your debt or pay it off altogether, it's crucial to be mindful of where you spend. Track your expenses to see where your money is going.

2. Create and stick to a budget. Create a realistic budget that includes all your monthly expenses. Be sure to include any additional payments you want to make towards paying down current debt.

3. Pay off your debt one item at a time. This will help keep you motivated and remind you that you can do it. 

4. Continue to build your savings. While you pay down your debt continue to add to your emergency savings fund. Include this as a line item in your budget so it's treated as another expense to pay.

5. Keep contributing to your retirement. If money is tight, you might think about temporarily reducing the contribution and find additional ways to make budget cuts. You should have a goal to increase your retirement funding as soon as possible. 

Having a plan to follow will not only help you control and manage your debt,  but alleviate financial stress. Happy savings!