How do you juggle between saving up and clearing your debt? Should there be a benchmark before you send all your money into debt paying?

Clear your (bad) debts first, starting with the highest-interest ones.

Imagine you save $1000 a month into a savings account paying you 2.5% interest per annum but have $1000 in your credit card debt rolling at 25% p.a. If you keep your savings instead of using it to pay the debt, you're essentially losing money and letting the credit card company earn more interest from you.

Debts interests are guaranteed and investments returns are usually not guaranteed. Compound interest works both ways for debt and investment. There are good debts that people take to grow their money but you must make sure you know what you are doing and the consequences of not paying your debts on time due to investments not working out as planned.