Whether you save money, make it or both, use any extra income to pay down debt first. Pay the highest interest debt first. Pay as much as you can. Service the other debt with minimum payments. Then, when the highest interest debt is paid off apply everything that you were paying to the next highest interest debt, and so on until all your debt (with the exception of your mortgage debt – that’s a different thing altogether) is paid off.
It takes time. But it really is that simple.