I've lived with tinninus for most of my life, and it is now very intrusive, it is primarily head-centric, rarely the ears....
It's a cacophony of sounds;
Take a active rhythmic heart-beat, stir in a variable volume/pitch/note tuning fork and then fold in a whine...
Then just for fun and variation spin in a memory-sound from hearing tests.
Any movement reverberates through my head; so, for instance, travel in a car, and every small bump and bounce is very noticeable...
Walking is like hearing a police/fire-engine siren going off, as each foot-fall sets up a nee-nawing rhythm (toe-ball-heel; toe-ball-heel...........).
It doesn't, generally, stop me doing anything, but running/jogging is a no-no. I started meditating (TM) in my early twenties. Quietening to relax the mind is supposed to help, but I found the tinnitus became more noticable.
I am in the category of a very severe/profound hearing loss, so the 'soothing sound' technique previously mentioned is not really an option.
I can, though, use a headphone that passes sound through the skull, rather than the ears - but it can have the tendency to exascerbate the tinnitus when I stop the music...
But Hey -
I'm alive, happy, married and full of life and joy 
....if the tinnitus stopped, I'd probably be dead.....
