Without going through the punishing ordeal of ranking your spending priorities, it is difficult to guarantee you will have anything left over at the end of the month to apply against your debts. Then use the paperless budget method. Budget surpluses should generally be applied to eliminate outstanding debts before you start to accumulate savings. For a number of reasons. Borrowing rates typically exceed savings rates.
Interest expense is usually non-deductible, whereas savings are taxable.
Interest charges are a certainty, but investment returns are volatile. If you are self-employed, you may need to borrow for business purposes. Be sure your records are accurate enough to track personal and business borrowing separately. Better yet, use dedicated sources for your business borrowings. For example, use one credit card for your business spending, and a different one for personal use.