I have been involved in a class called Financial Peace, A Total Money Makover. The material is by Dave Ramsey who has had a radio talk show for some time and is now aslo on Fox Business TV Network. As Americans we all want it now and are victims of good advertising that tells us how to think, dress, talk and especially what we should be buying. This advertising is a part of the problem with Americans being in debt, we "need" to have things.These things only put us in more debt and don't make us happy becasue we end up focusing our whole lives on how to keep all the creditors out of our life which won't happen until you are debt free. It is possible to get debt free but you wil have to change your focus for a couple of years (you didn't get into extreme debt overnight) and not "keep up with the Jones". Find a Total Money Makeover class and change your life, I have.

www.daveramsey.com

We just have to have that new car, a fishing boat, a widescreen TV and other things including the biggest and best house on the block but end up with more month than money and no money in a savings account (emergency fund). Think about it. Pray about it. It is scriptural, don't be a borrower and end up a slave to the lender.