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[quote=Anonymous]The best aggressive savings tip I know is "only see the money you wish to spend". Pay your coming due bills each payday, even if they're not due until the day before your next direct deposit. Know exactly how much you want to spend on food and other essentials and, then and there on payday, whisk the rest to a savings account. Once that hits $1500-2000 (you can do $1k if you don't own a house or car) stop adding to it and direct all excess cash to debt, again, right on payday so you never see it as spending money.

This where you have to do some math. If your debt is dischargable, unsecured, and too large to clear by retirement, take a good hard look at declaring bankruptcy sooner rather than later. It's not always, or even usually,  the best path to take, but too many dismiss it out of hand and cause themselves much unnecessary hardship. Bankruptcy exists for a reason.

Once your unsecured debt is clear, keep living lean and keep putting the extra funds into savings. This is where you build the foundation to live your dreams. Don't waste your assets trying to find fulfillment at Starbucks. Every little bit adds up. Conversely, don't sock it all away in inaccessible retirement accounts if your lifelong goal it to hike to Macchu Picchu.[/quote]

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