We paid off over $97k in debt (mostly student loans and two auto loans) in less than one year. The biggest step we took toward acheiving this goal was spending time budgeting and focusing on where we were spending money.
We probably put in close to 15 hours each week investigating where we were spending our money. 15 hours is a great deal of time, but as I investigated where the money was going I was shocked and eventually it became addicting to track where our money was going. Most people, myself included, use credit cards and we are not disciplined… It was so frustrating to see how much money we were spending on things we didn’t need. If you are finding that you cannot stay disciplined, you may want to go to a cash only budget. With the cash only budget, you take out the amount of money for each category in your budget and when the money runs out you have to wait until the next month.
Here is my post asking the question: How much time do you spend budgeting?