Thanks to Dave Ramsey and my parents' incessant encouragement and teaching, Carrie and I wrote our last check to the bank that owned (emphasize past tense) our car. We're now debt free!!! (Except our house, that is - Dave makes an exception for that, since it is an appreciating asset and most don't own it outright until they're 40-50+).

We credit Dave's plan of abandoning credit cards in favor of a weekly cash allowance (when it's done, it's done), and my parents' encouraging us to commit to never rolling a credit card balance over. ...also, lots of beans and rice. "If you'll live like no one else now, then one day you can live like no one else."