I retired last year. Once I made the decision, I gave myself a timeline and used it as a firm date to have all my bills paid off. My home was already paid for but I had just bought a new truck so my main efforts went into that, but I also cancelled services I didn't need like cable and subscriptions. I figure I'm saving a lot just in gas and wear on my vehicle as well as new clothes, hair styles, make up etc etc. A little planning really helps.
I retired two years ago—same story—paid off mortgage and all other debts before retirement.
Controlling expenses is the key—extra benefit, you are in a lower tax bracket.