One way to do things is to make one or two small changes. Changes such as getting a credit card that rewards you with airline miles or hotel discounts. Yes, it IS very hard to live cheap for so long a time, without anything to show for it, but sometimes small rewards add up. Some people pay small debts with a rewards credit card, then pay off the credit card at the end of each month but collect and save up the airline miles or hotel rewards. t the end of one or two years, they have enough collected airline miles to take a vacation severely discounted. And it is a bit roundabout - instead of paying the debt direct, paying the debt with a credit card and then paying the credit card, but with careful planning and keeping an eye on the monthly credit card balance, the real goal is collecting enough airline miles to pay for a vacation at the end of two years. I know of a family of two parents and six children who paid for an entire week's vacation in Hawaii, and all they had to pay for was food and car rental while they were there - the rest was paid for by airline miles and hotel rewards from 2 credit cards. There was truly no other way they could have afforded such a vacation with straight money savings - the money in the bank would have been spent on fixing the cars or medical bills! By having points saved up and prepared ahead of time, money could be spent on living expenses while points were spent on the vacation -- see how that works? So, while you are paying off your debts and helping your parents, switch to a rewards card and start collecting rewards. At the end of 2 years, you will very much have earned your vacation! The next thing to do is to "roll over" your payments and pay off the debts sooner. Pay off the smaller debts and incur no more. Use the money you paid to the smaller debts and add that money to the larger debts. As you clear out smaller debts you free up money to pay the larger debts, until they are paid off that much sooner. Meanwhile, don't be ashamed to use coupons! Saving a dollar or two here or there may not seem like that much of a difference, but, over time, those little savings are really money you are able to put elsewhere. Put together a weekly budget. Find out how much you spend on average each week, and determine minor cuts. Less alcohol or dining out each week might help? Cutting your "snacks" in half and loosing a few pounds while you are at it? My weekly food and household needs budget is about $200, meaning I have to buy all of our food, clothing (including socks and undergarments) toilet paper, dog and cat food, and house repairs needs within that $200 budget. So I do participate in surveys for 5% off coupons at the supermarket, use coupons for dog and cat food, shampoo and soaps, and money saved from the supermarket means more money can be spent at the thrift store for clothing, shoes, towels, books, and dishes, and even random Christmas presents. I have a list of people who collect things such as football team logos or ice hockey or Star Wars or fishing or chickens or pets, and if I can buy their Christmas present for a few bucks at the thrift store in July, it is far cheaper than trying to buy it at full price in December! And I am not going to lie to you -- it took us 8 years to clear several thousand dollars in credit card debt, and it was really hard some days, but, when the debt was gone and we saved up for a house, it felt very good to have a good credit score (from paying off all those debts on time!), it feels good to live in a house with a mortgage we can afford, and it feels good not to have those debts hanging over us. It was, indeed, really hard some days. But hang in there and keep going. We "made it" through, and you can too, Have the goal of a nice vacation in 2 years to look forward to, and it makes the waiting and the payoff that much more earned! Good luck!