Write down all your debt
Your budget and net worth might give you some insight but it's better to write down all your current debt separately. Not only the total amounts but interest rates, amount of the minimum payments, loan length, etc. So you organize what should be paid first.
Spending your money wisely isn't just about avoiding unnecessary purchases – it also requires you to take the money that you save and put it towards things that will help you reach your financial goals. Remember that price and value are not always the same.
Setting a goal and developing a plan to achieve those goals go hand-in-hand. Part of your plan may include specific and measurable targets to work toward. For example, one specific goal may be to save an extra $300 over the next six months to put into an emergency fund.