A critical step in building your plan will be to develop or review your budget and adjust it as necessary so that you can start working toward your goals. Most hate budgeting, but some sort of budgeting method is critical to know where your money is going and make a plan to redirect money to where you want it to go.
Start with the highest interest debt, and try to pay beyond the minimum payment every month to pay it off sooner. Once you’ve paid a debt, take that monthly payment and apply it to another debt.