If you are paycheck to paycheck and have made the resolution to get Debt Free in 2013, check out Dave Ramsey!!!!  My husband and I were in debt and almost in divorce court almost 10 years ago.  We were introduced to Dave Ramsey and his Total Money Makeover and it saved our marriage!  We have been debt free for almost 8 years and have taught his class many times!  Take a couple minutes and check out the New Years site he has created and get some ideas on how to get out of debt and stay out!!!!

This is your year to make it happen.
Every year, too many people set goals to get out of debt or build wealth but fall short of reaching them. It doesn’t have to be that way. Join us this year, and we’ll show you step-by-step how to reach your financial goals in 2013!

My husband was asking a friend about how to get a divorce cheap.  The friend gave him a book to read.  It was not about divorces, it was about how to get out of debt and how to live within your means.  Below is the book that friend gave my husband. We read it and it has changed our lives ever since!

The Total Money Makeover: A Proven Plan for Financial Fitness, $14.89