I've paid off about $22,800 in debt in an average of 3 years. I started 5 years ago and was laid off for a total of 18 months during that time, so that's like $600 a month. I definitely could have paid off way more but I fukked up a few times, got lazy and had to get back on track plus I borrowed a great deal when I was out of work. Right now I have $2300 in savings and honestly that's the most I've ever had with no payments pending. I still have to fight the urge NOT to spend it; Like I want to just buy something but I'm just going to keep stacking. My goal is $10k by June and I'm about $2k short with my current plan. Just need to cut back some more.