If you are serious about finances, check out Dave Ramsey. Love his book "Total Money Makeover". He does a daily radio show, and a show on Fox Business channel. Has a program called Financial Peace University that also helps teach you how to get out (and STAY out) of debt, for real. If you can find his show on in your area, listen to it sometime. Very encouraging to hear stories of those who have done it and made it....oh, and he is also Christian and proud of it, which is nice!