I’m using a combination of things.
First off was my “Latte Factor” — as the get out of debt books describe. For me it wasn’t $5 a day spent of fancy coffee, it was $10+ a day spent on Diet Pepsi. A product I was able to quit cold turkey with nary a second thought once there was ample chilled water available.
I always brown bag my lunch. I also very rarely buy take out coffee.
I worked with my employer to have extra money deducted for income tax, so I will have a little less in the short term, but in the long term have a hefty return to apply to credit card debt.
I have a “bonus structure” at work. I used to treat these as mini-Christmas occasions, using them to buy things I could not normally afford, instead I plan on putting them toward debt.
I seem to also have reached an age, wherein I don’t really “want” things. I have “things” what I don’t have is time to utilize them. I own enough books and eBooks combined, I could probably read for the rest of my life and not run out.
My lifestyle would be “boring” to a younger person. My partner and I are raising her grandchildren. So on a typical weekend I’m doing laundry or cleaning rather than going out to a bar or what have you spending money.
It’s not really exciting my plan, and recently finding out we need some home repairs might set me back a bit, but I will keep pushing forward. At 52 I feel retirement is coming up too fast and I’m not really prepared for it.
I am optimistic, but a realist too, I buy the occasional lottery ticket, but still put money into RRSP as a safer bet for retirement money.