If you want to effectively manage your money, you need to pay off your debt.
Like mentioned previously, it does not matter where you live, whether it is in New Zealand, England or Australia, we all have debt.
Debt can be in the form of credit cards or cash loans (short term, emergency etc…).
The fastest way to clear your debts would be to look at the loans or cards that have the highest interest rates, and to then try and pay them off first.
Just remember to not make the mistake and ignore the smaller debt.
While you might be focused on those with higher interest rates, it is still important to at least pay the minimum amount on the other debt each month. The quicker you can start paying off all your debt, the easier it will be to start saving extra money.