I woke up one day about 3 years ago and realized I really needed to straighten my finances out - I had credit card debt as long as I could remember and gradually it got to be higher and higher. I started a 2 1/2 year "spending freeze". I paid as much as I could on my debt. Every raise, tax return etc. went to the debt. Luckily I was able to consolidate it all on one CC with a 2.99% interest rate (that helped a LOT). At the same time I also started sending $10.00 every Friday to my ING account. I eventually upped it to $20.00 every Friday. Fast forward to now, three years later. All debt is paid off and I actually have $8K in my emergency fund (not in ING anymore, went to GMAC for higher interest). I don't think I've every felt better about anything - it's just a great feeling to actually be able to save money. I even bought 3 CD's (never had enough to buy one before).
One thing I know for sure is that if I can do it, anyone can!