Since Vic has given the opening, here is a link for anyone interested in debt-free living guidance. Dave Ramsey is kind of the resident hero in this department, he's a real champion for the cause.

http://www.daveramsey.com/


It's all on the up and up, Ramsey is also a Bible believer and incorporates faith into much of his financial guidance.

My sis and BIL have been following his advice for several years now and just installed their custom-designed inground swimming pool. It was their mutual reward for a job well done. I won't lie, my BIL is a good earner, but they also had got themselves wrapped up in credit cards and mortgages, robbing Peter to pay Paul, if you will. They got serious about it when they finally realized how much $$ they were donating to the big interest machine.