<prompt> Human: My wife and I have recently completed the Financial Peace University and really got some good methods and concepts out of it. We are still struggling to make a monthly budget, which is the biggest part of the series, but we just have buckle down. I was just curious if anyone else had gone through the series or what your opinions on his methodology are. Lets keep it off of Dave as a person and more about the budgeting concepts. Edit 1: Some background is that my wife and I have have about 140K in student loan debt and 15k in vehicle debt. We have no credit cards. Our mortgage is 2,100 a month. We are teachers so our annual income 100K pre-tax. We have three children. For some reason though we still dont feel like we are making as much headway on our debt as we should be. Any advice on that would be helpful as well. Assistant: Too absolutist on credit cards.Human: What do you mean by that? Are you saying there are perks to having credit cards or that if you have them its not that bad?  <response>: Do you throw away the steak knives because you might cut your finger? No. You be careful how you use them. 