For nearly all my life my schedule has revolved around a school year. In the past I looked upon New Year's Day as a fresh beginning. But as time passed I realized I was much more committed to a fresh start happening in August. Now I call them my "new school year resolutions" and find myself accomplishing goals that would likely fizzle out if I began them in January. In August of 2014 I made the resolution to live debt free. This is a huge goal for a normal couple in our early 30s, complete with some credit card debt and a sizable chunk of student loans. I began by making a monthly breakdown that included the amount I would need to pay for each debt point to pay off the total plus interest amount in 12 months. As late summer moved into early fall I found that I was able to pay twice as much as I had estimated. I credit our frugal lifestyle for this boon. We're also working really hard to get into good shape so our soda and Doritos money is going toward the pay off. Bri...