[spking]

It's also worth pointing out that for many people, servicing debts is one of their biggest monthly expenses. Credit card debt and car payments especially will sap your ability to save in any meaningful way. If you have debt, the #1 goal should be to pay it down as fast as humanly possible.

[jiggy2011]

Yes, this is what I am doing right now. I find that what helps is to do the math and then mentally mark the price of everything up by the amount that it would cost not to put that money into paying debt instead.