the whole story here but basically, we were very close to being homeless. So, we took this 13-week class that was offered by our church. It has changed our lives in so many ways. Dave Ramsey is an amazing man who asked very wealthy people (first millionaires, then billionaires) what they did to get where they are and applied their common sense advice to his own life.
During the week of April 5 - 12, Dave Ramsey is setting up host locations to offer a free lesson that will include "steps to get out of debt, build wealth, and save for the future." No matter where you are financially, you will learn something. To get a list of site locations, enter your info here and they will email you a list of host sites.
I highly recommend you make an effort to go to one of the classes!