I would go to
Real Debt Help - Get out of debt with Dave Ramsey's Total Money Makeover Plan. and order his Total Money Makeover book. I did this and it has helped me completely change the way I look at money, especially where family is concerned. After 10 months we're almost debt free (except for the house) and have an emergency fund set aside. While we are paying tuition for our daughter in college. The sweetest revenge.....is Success.