My business partner game me a copy of Dave Ramsey's book The Total Money Makeover: A Proven Plan for Financial Fitness. I've found most books like that to be totally padded, half baked and written by people intent on making a buck. But somehow Ramsey's advice resonates. My wife and I easily put his simple plan in place and follow it. We have been on budget, increasing savings and paying down debt without any change in income. The best change for us was creating a new budget every month and then having a budget review every week. That keeps us on course.
Ramsey doesn't say anything new, but he says it really well.
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