<prompt> Human: I have about 32k in debt and am terrible at budgeting. My 2018 resolution is to really knock down my debt. According to Dave Ramseys Financial Peace University calculator I can be debt free within two years which is a dream come true. However, it costs 129 for the plan. Has anyone ever used it or something comparable that is possibly cheaperfree? I dont know how to budget or control my impulse spending obviously and I need help! Please!  <response>: If you do the class in person it will likely connect you to people who have the same goals as you. Its easier to achieve goals in a group with accountability.Sure, the information is out there for free but information alone doesnt change behavior.There are much worse ways to spendinvest 129. 