Both of us have read Dave Ramsey's Total Money Makeover (I more than once) and we own it. Today while Dave Ramsey has a big sale on his website, I ordered this Designer Envelope System
I also plan on starting Dave's Financial Peace University at a local Church this winter to help even more. I really am inspired by Dave, his philosophy, his Christian heart and the fact that you can't purchase anything of his with a credit card! It has to be a debit card or a sweep from your checking account. Smart man.