If you have an emergency fund in hand you should next focus on eliminating your high-interest debt. Set up a simple debt repayment plan by organizing your debt by interest rate, then attempt to make a double payment (or more) on whatever debt has the highest interest rate. Make that double payment every month, then when that debt is gone, add the total amount of that payment to the payment you’re making on the next debt on the list. Keep repeating until your high-interest- debts are gone.