First things first: Schedule time to take a look back at previous years to get a good idea of how much (generally) you’re spending per month.
Now that you’ve taken a good long look at your spending, it’s time to crack down on your shopping habits, and examine any hidden fees you may be getting hit with.
If you’re unsure of how much of your income you should be putting into your retirement, use a retirement calculator to figure out exactly how much you will need to have saved.
Even if you’re paying them off over time, taking an honest look at how much you’re actually chipping away at per month could make you realize you need to put in more money to pay them off during a more specific and consistent time frame.