Well, you need to get it treated because you might not feel when it gets worse. Definitely see a doctor or at least ask what your pharmacist might recommend to treat it! Some of the basic recommendations are to change your socks daily, do not keep your feet in shoes all day if you can avoid it, and if you use a communal shower like at a public pool, wear sandals so you don't pick up any fungus from the floors.
I used tea tree oil last summer because I thought I had a fungus; my toenail had white lines and bumps. Anyway, I used alcohol to clean the nail and get it really dry after washing, the put tea tree oil on it. I did this morning and at bedtime, wearing socks to bed (which I hated!) for 2 weeks and it seemed to clear it up. At least the ridges on my nail went away.
Not sure it was fungus, because I never had it diagnosed, and it was before my diabetes diagnosis, but I would use it again if I needed to, since its a topical treatment.