We are big fans of lists. To-do lists, grocery lists, etc. They keep us on-task and functioning. In blog-form, lists are practical and easy-to-read, and we all know I like easy reads.
If you want more money to spend on something specific (*ahem* paying off your loans *ahem*) but your income is static, the only way to get that extra money is to save money on other expenses. In other words, you need to spend less money on some things so you can spend more money on other things. Sometimes you need that money tomorrow.