Join Date: Mar 2005
Location: In the hills of Old Virginia
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The book that has really changed our financial lives is Your Money or Your Life by Joe Dominguez and Vicki something. It is really an amazing book about how to free yourself from debt, set goals, etc. The most effective thing it suggested to do was write down every penny you spend or make, and then you creat a monthy "budget" based on those figures after a month of keeping track. To learn more about it, you can go to simpleliving.net
Best of luck to you and your family as you budget-it is a can be a really frustrating process, good for you for trying to tackle it!