My brother once likened debt to a negative savings account.  It's a good analogy:  debt is money you've spent before you saved it, and both will accumulate interest if arranged through a formal financial institution.  Of course, with debt the interest is being paid to someone else.

Paying off debt is a valid way to meet the Pagan savings challenge.  It could take the form of simply using the weekly savings amount to pay off a bill faster, or the money could be allowed to build over the year and used all at once for that purpose.  Either way, it strengthens the discipline of building energy through saving money.

My week eight savings:  $36, 22% ($8) of which I added today.