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Ng There is a wonderful guy on the radio that has written best selling books. His name is Dave Rasmey you can go to his web site it's his name with .com at the end get the book total money make over me and the wifey were 60 grand in debt and spent money like water. Until I got tired of being broke all the time we read his book and payed off all of the debt we had in 18 months except for our house which we are working on now it is a great book imo you can probably find him on the radio in your area to his site list the areas his is broadcast in pm me if you have any questions. I promise It really does work I have everybody in my family on his plan now and they are all becoming debt free
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