Take a long look at all your monthly bills and see where you can cut spending. Deciding where to cut spending is a personal thing that only you and the others in your household can decide. Make sure you can get your spending below your income. Remember debt is a relative thing. A little debt is not nearly as bad as a large debt.
People are at all different financial stages so some people have more work to do than others.
Lifestyle changes you make now in your spending will be compounded over the years to save you thousands of dollars just as reckless spending habits will compound a little debt into a huge debt. There are many changes you can make to improve your financial situation. One of the most important things is to have some saved money as a buffer. If your spending and your income are about equal that is good but don't consider yourself totally safe from debt. It only takes one large, unexpected bill to put you in the hole.