If you haven't heard of Dave Ramsey yet and you're struggling with making ends meet in this horrendous economy, then you owe it to yourself to invest in THE TOTAL MONEY MAKEOVER because it will revolutionize not just your finances but your marriage, your relationships with other people, and this life that God has given you to enjoy abundantly.  My wife and I had debt up to our earballs over ten years ago and made the fateful decision to cook our credit cards in the oven and never use them again.  Best decision ever!  Yes, it's been difficult at times finding the money for those unexpected expenses, but Dave gives you a plan for taking care of those "emergencies."  Put $1000 in the bank and then begin the "debt snowball" paying off the lowest balance bill first and the minimum on all the rest.  Then work your way up from there until all you have left is your mortgage.  Build up six months worth of income in the bank after that to fully fund your emergency stash and you've worked the debt-free plan for success. Just listen in on any Friday edition of "The Dave Ramsey Show" to hear people enthusiastically call in and scream I'M DEBT FREE to catch the excitement of this proven program.  DO IT and your life will never be the same again.  Live like no other now so that one day you can live like no other.