I finally found the time to sit down with Dave Ramsey's Total Money Makeover. I actually found it quite good and finished it in an evening. I really think the templates in there will help me with making a real budget. I also like his snowball approach in paying down the smaller balances first. I know it will cost less to pay off the higher interest rates but just like a diet....I really need to see the results to stick with it. DH and I are going to sit down tonight and actually use the templates and plan out everything so we can start the new year right. I'm actually kind of excited about it 
Total Money Makeover
December 27th, 2007 at 05:43 pm
December 27th, 2007 at 07:15 pm 1198782955