One of the problems with staying debt free once you have made solid progress is that it can be tempting to slip back into your old ways.
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ReadyForZero is free online software that allows you to track your debt and pay it off in a cost-effective manner, which then helps you to become debt free the fastest. It links all your debts, the minimum payments, and interest rates in one place – letting you get an all-in-one snapshot of your debts.
Once you pay off your mortgage,you are an instant saver of the amount you use to spend on the mortgage. It's similar to a second job but without working!
If you are a college student, take some time to understand how to create and use a budget. Stay out of debt and learn how to put together a portfolio of index funds in a 401k or Roth IRA. If your college offers a financial planning course, take it.