Cutting the spending
It is no use trying to deal with your debt if you are not also reducing the amount that you spend on a daily basis.
You might well have your debts budgeted out and feel as though you can still spend on the side. But the truth is that every penny you don’t spend can go towards paying off your debts, and that is probably a good idea to do as quickly as you possibly can.
So focusing on your debt at the same time as reducing your spending is arguably always going to be the best way to approach the whole financial situation.