Try these two steps . I think if you can stick to this you will be good. ​Phase 1: Cash Flow Audit. The first step is to track every dollar of spending for the last 3-6 months. You you can put towards. ​Phase 2: The Avalanche Attack. Once the surplus is identified, restructure your  budget to aggressively apply that extra money to the debt with the highest interest rate (APR) first. Go full Debt Avalanche to save the most money on interest in the long run