1. Pay yourself first before thinking of anything else. You have worked so hard and have been stressed a lot. So before thinking of that new model of smartphone, set aside some money first for what can keep you from a mountain of debt.
2. Prioritize your debt servicing. Pay off the debts with the highest interests first. Focus on paying high value debts until you knock them off. Then proceed to the low cost debts.
3. Sever your ties with your credit card. Stop using it while paying it off; otherwise you will keep your sinking boat sinking.