Just found the site and decided to clean up my cc debt and spending for good. I've never been extravagant, all my debt is from bills/groceries/heavy drunking I needed to get through grad school.
I dusted off my paypal account I hadn't used in about 7 years because I was considering a useless purchase on ebay, and realized i had a $1375 balance i never knew about. Victory #1 was putting every penny on my cc debt instead of ebay.
Victory #2 was i'm realized i had rewards points i never paid attention to on my debt-ridden credit card. Cashback transer to cc balance killed another $675. That's $2050 of windfall, 100% towards debt.
Victory #3: I am charged $73/month for the great honor of parking at my work. $876/yr. i cancelled that and bought an employee bus pass, $33/quarter or $132/yr. Total savings: $744/yr. But factor in my 12 mile roundtrip commute, .50/mile x 5 days is $30/week, times 46 weeks is $1380 in savings. Total parking savings per year: $2124/yr just by switching to bus (no good bike lanes, super crazy traffic).
Victory#4: cancel $85/month cable. Save $1020/yr.
So in one week of reading this site, i have paid off over $2k debt and added $3144 to my yearly income. Since my apr is 11%, you could multiply that in too because that's where my additional savings is headed. And I have plenty other areas i can reduce. My $6k remaining debt is doomed to be destroyed in 2015.
Not bad for a week's work.