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2dream. That advice also works for the first step for people wanting to lose weight or track what kind of foods they are eating. Healthy or preservatives. I agree about lunches. I maybe eat out once every three months. I started looking at what I could not only save by bringing my own lunch...

They can listen to the radio show for free and not spend a nickle. The people that need more help then I'm very glad they are spending the money. It tells me they TRULY want to change. When one spends money they tend to have better commitment to the direction they want to go. I don't care if...

I agree with that and if you have listened to Dave he has also. That statement all depends on their current expenses or how they can change their expenses. So many of these people are driving $30K vehicles with payments if they freed them up would go a long ways to paying off debt quickly...

Big Daddy. Where did you get this? Do you even know what Dave is about? Credit card companies are the LAST people he would work for. BTW. This is Greg, Cheryl's husband.

If no one stops by who is experienced try this.................. http://www.hearth.com/econtent/index.php/forums/viewforum/2/