When it comes to debt, focus on little bits of progress. If your goal was to run a marathon, you wouldn't expect to run your first marathon in a week. For example, continue ordering out, but skip the glass of wine and appetizer. You can also look into refinancing. There are lots of great ways to refinance credit cards and student loan debt, for example. If you can lower an interest rate by just a single percentage point, it can have a big impact.