Dave Ramsey

I feel the need to share this with everyone, because within the next few years, if it hasn't happened already, you will all be making money.  Pete and I decided as soon as he graduated that we needed to start working on paying off what loans we have, plus adding to retirement.  Once we got to Tennessee, he started listening to Dave Ramsey.  He has a local talk show; he is from Nashville.  He has a few books that can be purchased anywhere, but we decided to do his Financial Peace University, which we bought online.  It has some books and CD's to listen to.  We love his ideas, and have started working on his plan.  It's easy and it makes sense; in fact, his website pops up frequently in the church.  So take it for what it's worth, maybe add some of his ideas to what you are doing already.  

You Need a Budget!

I would be talking to myself there. I found this great program for budgeting that I thought I would share, being resolution time and all. I was using Quicken and realized that I loved their register part, but the budgeting part stunk! Well really it was nonexistent. The thing I really like about YNAB (You Need a Budget) is that you don't have to buy a new one every time they have an upgrade, you get it for free. I also love their tutorials, they really help, unlike some other "help" programs. It was started by a BYU guy and has had great reviews. They also give you a free trial. If you want to check it out, click here.