Okay Deb opened a can of worms on you all!
I refuse to go read his bio and tell you word for word! You are all welcome to click his pic above and do just that. Dave is an auther his books include: Financial Peace and Money Makeover. He also offers a class called Financial Peace University (FPU) held at local churches, schools and other venues. He has a very upfront common sense approach and really is a great teacher. My hubby and I were able to take the course (about a year ago) and together have paid off everything but our house and a few payments from paying off Jay's car.
The basis for his whole plan is babysteps. Between his babysteps and FLYlady's babysteps it is why I named my blog as I did. All the things I have done (and will do) successfully I have done one step at a time and not at a run.
Dave has his seven steps available to you at his website (and many more tips). Also his books are available on his site as well as bookstores. Honestly, I think the best thing is FPU. There is a link to find one in your area. If you live in the U.S., in a reasonable sized "town" I can bet you find TWO classes in your area (within forty miles) starting before Christmas.
We have managed to make our (same) money go farther, change our attitudes about what we "NEED" and what we "Want" and mostly it helped get my hubby on the same page as me. He isn't as much a partner as I would like in dealing with the daily budget, and in the way Dave reccomends, but it is WAY better. His being on the same page has brought the proscribed PEACE to our homefront.
Now, lest you think this is a 'get rich quick scheme' or a 'fix it and never have a problem' solution it is NOT! We have had just as many "Oh My!" moments as we did before FPU, but we have the emergency fund, we know where money is coming from and going to...and we are TELLING our money what to do. We are making a big step nd buying this second home and the plan is to pay BOTH homes off in ten years. I am alot less panicked by this Economy issue than others are, because I am living within my means and we have no credit card debt.
In ways we 'have less' because we gave up some things (Starbucks) and pared down some others, but we have alot more calm (peace) in our home and being able to pay all the bills on time or early and not 'freaking out' is worth missing my Chai Latte from Sbux.
If you are worried about money and even if you think you are doing 'okay' check out Dave. He has pointers for everyone. I was amazed at some of the things we spend money on (insurance types come to mind) that we are taking a hit on. Also the things you might WANT to have but don't.
Check him out and let me know how it goes!