Get a library card and pick up Dave Ramsey's book "The Total Money Makeover: A Proven Plan for Financial Fitness". (If your local library doesn't have a copy ask abut an "inter-library loan".) Stick with the budget he'll show you how to make and it will be amazing how much money you have left over at the end of the month.

Good luck![/QUOTE]

Hell, call up his show and ask him directly. He might just give you the book for FREE!!! Finally, a post that is positive and provides an answer to a question, and not a "I told you so" response. Bravo!