Debt.

We have been mostly adhering to Dave Ramsey's baby steps for about a year now. We are about six months away from meeting our goal of being debt-free except for our mortgage. The primary tool we have used is a budget. We use mint.com to track our spending and keep us on budget. We hope to stick to a budget even after achieving our goals, it'll just be a more relaxed budget! Here is a link to a good post about creating a budget: What are the best features of a winning budget?