I would like to applaud the OP. I wish I could muster that kind of determination. My one job is stressful enough. I've already cut my expenses almost as far as they can be. I don't drink or smoke. And I couldn't tell you the last time I even had so much as fast food or a dinner out. But partly due to the way my marriage ended, I am very deep in debt. How do you justify saving for anything when any "extra" money could also go towards paying down debts?