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Yes, keeping up with our expenses is a good idea and its something we've never tried. I already know that we can cut back on some things. Thanks.

I wil definitely check out dave ramseys website and book. And yes I have learned a hard lesson about living below my means. Now to work my way out of this mess and start practicing LBYM! Thanks for the quick replies.

My name is James. I'm 36, married, one 5 year old daughter, and 9 year old stepson. I have a pretty good job for this area, make around 50000 a year, but I am about 50000 in debt. We are a one income family. I know I'm starting late in life, but I would like to learn how to become debt and...