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Message: <blockquote data-quote="Wraithdrit" data-source="post: 1095146" data-attributes="member: 10820">Something you may also want to look into is Dave Ramsey. He's a radio personality that does a show on personal finances. He gets a bit preachy at times, and claims everything from a 'christian' perspective, but if that sort of thing doesn't bother you, or you can overlook it, he has some VERY sound advice.I should know. Before I started following his common sense rules I was always behind on bills. I did things like go buy a new bike when I had bills due. I would always just push bills back, then get behind and end up in emergency mode.By using a budget and planning, my wife and I planned our wedding and bahama/disneyworld honeymoon, and paid for it all in cash (NO DEBT!) I'm currently working my way out of debt and am down to just our cars, house, and student loans. No credit card debts, no medical debts, no collection agencies, etc.You can check his site out at <a href="http://www.daveramsey.com" target="_blank">http://www.daveramsey.com</a></blockquote>