My husband and I are in WAY over our heads with credit card debt. Until now we have been able to manage our payments without falling behind, going hungry, etc. But I am beginning to feel really uncomfortable with our financial situation. We both admit we made huge mistakes with unnecessary purchases, and that we have a problem not sticking to a budget. I enjoy listening to Dave Ramsey on a Houston A.M. radio station on the way home from work and feel like he has common sense approaches to managing finances. I was wondering if any of you have tried his books or seminars and how they worked for you.Answer Question
I'm in the middle of reading his book total money make over and we got all the FPU material. We did do step 1 and was in the middle of step 2 when we had a huge emergency come up that empty our emergency fund... so we have to start over again :) But I'm glad we had that EF. (emergency fund).
Good Luck to you!
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