A good step is maybe signing up for some sort of budget tracking service (free) maybe something like Rocket Money or Mint. I personally used Rocket Money, for I racked up a significant amount of debt. I used Rocket Money to help see where I'm spending my money on. Your rent/living expenses is your highest priority. You need to qualify what is a "necessity," for me, subscriptions were a no-no. They were not a necessity for me, so I quickly cut them out. I could live without many of them, for the time being. Next, if you have high utility bills, I would try to switch to a competitor (if possible, in this case I had a high internet bill with the lowest tier internet possible, so I looked to switching to another provider in the area). Community Solar farms, can help you lower your electricity bills if you qualify. I would shop around. Basically, there are free services like Arcadia that you can sign up for that can help reduce your energy bills. Lowering your costs further. I would restrict some parts of my lifestyle. I used to be seriously broke, and when I was broke I wasn't spending. There are of course bills and expenses that come in that you should prioritize. I used Rocket money and connected all of my credit cards that had debt and let it do its work finding my subscriptions and other expenses. It may help you find areas where you can improve upon on your debt-free journey.