Yep we are the same - we budget fun money into our weekly budget, though this gets saved and spent maybe once a fortnight. Plus we make fun things at home, eg we'll have a Mexican night at home with friends, we'll go to each others house for home made morning tea etc.

Our tax return should wipe our credit cards but we still have a car loan and personal loan as well as the mortgage. We pay an extra $100 a week on our mortgage, an extra $200 per month on our personal loan and the minimum on our car loan. As soon as our tax clears the credit cards they will be cut up and the money we were paying on them as well as any extra money left over at the end of the week will go on the personal loan.

For me, seeing the loan decrease is motivation for me, as well as knowing that if anything major happens and we need money urgently, we can redraw off of it.