I've seen others mention him, but just wanted to put the name out there again for interested folks to check out Dave Ramsey. Listen a few times to his radio broadcasts, try The Total Money Makeover (book)..advice for folks struggling with getting out of debt, and celebrations for people who've become debt free...
The hardest part for us was sitting down and writing out a clear budget; I'd always been fairly frugal, and had always had some kind of budget in my head. But writing it down was another story, and it was HARD to do for me for some reason...maybe because it was scary seeing things in black & white. Dave's ideas really helped guide my (and DH's) efforts to become debt free.
The hardest part for us was sitting down and writing out a clear budget; I'd always been fairly frugal, and had always had some kind of budget in my head. But writing it down was another story, and it was HARD to do for me for some reason...maybe because it was scary seeing things in black & white. Dave's ideas really helped guide my (and DH's) efforts to become debt free.
