Another good budgeting / financial tool is the Crown Money Map. It's a lot like Dave Ramsey's plan in The Total Money Makeover, but it's online and it's free. It's at www.crownmoneymap.org. Many other good resources are also available at their main website, www.crown.org. I'm not really crazy about their website, though, because they've got a ton of great free resources, but it seems like you really have to hunt to find what you're looking for. But if you've got a little time, you'll find plenty of solid, Biblically-sound financial advice at their site.