Before I found this site and trimmed up my budget, my monthly retirement & cash savings was about $300/month. When a big bill came around, savings would go down a bit though, so really I was only saving about 200/month. I took away a LOT, cable, eating out, long drives/fast driving, dry cleaning, new clothes all the time, new tech, guns, toys, even more I can't hardly remember. Now that I'm on a better track, I have almost doubled my retirement account transfers, save more cash, and put extra down towards loan repayment, all totaling $900 per month! I will accomplish as much financially by January 2014 that would have taken me until 2016 at my current rate. Woot!