It must be given importance, not only to the mortgage, car, etc. payments also to small expenses that occur every day.
Often money is spent on things that are not essential to maintain a standard of living.
For example, a coffee in the cafeteria, a pack of snuff, a pack of chewing gum, calls from mobile phones continuously, buy the newspapers, etc.
This expenditure, in principle, you can avoid drinking the coffee at home, leaving smoking, stop chewing gum on a daily basis, make calls from mobile phones only for issues important, read the news in the newspapers digital editions, etc. all this makes lots of money to be saved.
The problem is that, being very small individual expenditures, not given importance. But it is really large expenses that can help other major debts.