Just curious. Are there any other Dave Ramsey followers out there?(http://www.daveramsey.com/)

I got his book "Total Money makeover" (http://www.chapters.indigo.ca/books/Total-Money-Makeover-Proven-Plan-Dave-Ramsey/9781595550781-item.html?ref=Search+Books%3a+%2527total+money+makeover%2527) out from the library last summer, and man-o-man has it changed our finances! We're incredibly close to being completely out of debt now (except for our mortgage) and are determined to NEVER borrow again.

It's been an incredible journey. The mental clarity and stress that's released just by being in control of your money and not trapped in that paycheck to paycheck cycle is priceless. His book combined with the FlyLady's "Sink Reflections" (http://www.chapters.indigo.ca/books/Sink-Reflections-Marla-Cilley/9780553382174-item.html?ref=Search+Books%3a+%2527sink+reflections%2527) has really made some seriously drastic changes for the better in our lives.

A resource woth looking into if you haven't yet.