A debt consolidation expert will usually look at how to reduce your debt payments, and a financial advisor will usually try to sell you investments, which may not be appropriate here.

While that's not the right wording, I think you need some kind of money coach (please do not search that on Google, you'll mostly get grifters and scammers): I feel a financial planner (CFP or maybe QAFP) would be better suited for your needs, but not all of them go as far as you seems to be interested in. You could still identify a few of them in your area, and check if that's something they'd offer. I have also met a few accountants/CPA that offered these kind of services: going through your spendings and debt with you, making a budget and a savings plan, and following up every now and then to see that the plan was executed correctly, but I haven't seen it offered recently, as CPA have been in quite a high demand these last few years.