Our church is teaching a class on finances and my wife & me have signed up. We are not using Dave Ramsey but another a program by Crown Financial ministries. The teacher gave his reasons, and that Ramsey does not dive in to Scripture very well and I agree. He is a expert on teaching Biblical principles on finances, but he often takes things too far, and is shallow on his biblical views. I know that we have had problems in this area, and a big problem has been my irregular income, however I have had a steady job for almost 4-months know which has greatly helped. Not sure if I can ever pay back my debts but with God all things are possible. One of several books we are using is one called Your Money Counts. Have you read it? Has your church done such a class and did it work out well? I think a strong advantage of a class vs. a book is the discussion and people learn more from discussion. What I plan to get out of the class is awareness of spending, and an ability to save more. If I don't have the income to be debt free that is one thing, but I can pay what I can.