No matter how responsible you are managing your debt, life can have a funny way of causing debt to sneak up on you. Do a Spring Cleaning once a year to identify debt you want to eliminate by year's end.
Once you've identified the debt, put a plan together to pay it off. Don't focus on eliminating all your debt. Instead focus on an amount you are confident you can clean out by the end of the year. Then make the debt repayment a monthly part of your budget.