The easy part of this is going to be to pay off my debt. I have a good chunck of money coming in that will eliminate my car payments, credit card bill, and two school loans. After all that is paid off, I will also have a rather good chunck to stick into savings. Now the hard part….KEEPING THE MONEY IN SAVINGS AND NOT SPENDING IT. But the plus side of it all is what I am saving for- Backpacking in Europe (thing #1). So hopefully with that in mind I will have the willpower I need.