We have been following Financial Peace University by Dave Ramsey. We already have been spending much less, just by creating a budget and using mostly cash! I thought it was going to be harder than it has been. But every time I think it's too hard, I just remind myself of what we're doing... giving ourselves financial security and a VERY bright future!
I highly recommend Dave Ramsey's program.
www.daveramsey.com
www.mytotalmoneymakeover.com
I've heard people tell me that it's too hard, or "they don't like being told what to do..." WAH! Suck it up for the well-being of your family and it's future! (Sorry... I'll get off my soapbox..)
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