A man saved 77 of his annual income by living frugally - and only has one plate, no TV and has used the same towels for 11 years.br br Bradley Alagna, 32, from New England, USA started making sacrifices after being left in $130,000 worth of student loans debt and he was only earning $12-an-hour.br br He managed to scrape together his monthly $860 repayments by not using his heating, not buying clothes and not eating out.br br Now his debt still stands at $147,000 due to interest - despite Bradley paying off $75,000 over the last 11 years.