We can tell our values by looking at our checkbook stubs. ~Gloria Steinem~

Do most of us know where our money goes? Most of it probably goes to APRs. When is America going to see the value in debt-free living?
For those who are interested in getting debt free and staying that way, there are a few resources that we've found helpful in the endeavor:

daveramsey.com
Budget Map

and for kids:

Junior's Clubhouse

Now, more than ever, we're seeing the need for living debt free. With the plummet of the economy, many credit card companies have raised their percentage rates. People are being forced to look at a new lifestyle.

I love Dave Ramsey's website. There are so many tools and ideas to help not only the individual, but also the business corporation get out of debt.
My favorite section is The Truth About... section. Wanna know the real facts about debt. Go there.

A few tips I've picked up along the way:

• SPEND ONLY WHAT YOU HAVE RIGHT NOW!
  
• Start teaching your kids about debt. Get them learning how to spend and save wisely. Don't expect that they'll learn it on their own when they 'grow up'.
• Model good spending to friends, family, and your own children.
• Pray for self-control!
• Tithe. Not to 'earn' a blessing on you pocketbook, but because you love the Lord with all your heart, soul, and mind.