Getting rid of debt
If you want to get out of debt (aside, maybe, from mortgage, education or car payments), JD at GettingRichSlowly has the details on how he got into debt and back out again. There are a ton of valuable suggestions in that entry. You don’t have to follow every single one, and you may come up with others.
I myself will be getting out of debt in a few months. The problem is I don’t own a house. I’ve never been able to afford one without resorting to one of those crazy mortgages that are causing people to default now. The bad side of this is that a house is an investment toward your after-retirement living (imagine no rent/mortgage payment! it can be done!). The good side is I don’t have a house I’m defaulting on. 
Still, I’ll soon be paying off the last of the credit cards I ran up when my job situation went south on me a few years ago and took its time getting turned around. My car is paid for and I’m now going to be living on a cash-only basis. Also, the money I put toward getting out of debt can go into retirement funds now.
For the past couple of years, I’ve taken my bonuses from work and stuffed them into an ING Direct account. I rarely remember they exist, so I’m never tempted to dip into them. This is my sole emergency/savings account, and I’d like to have a lot more money in it, but that goal may have to wait another year or so. Still, putting the bonuses in is significant.
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