Do yourself and your entire family tremendous favor and check this out! Dave Ramsey is offering a free Financial Peace University class. I can not express how FPU has changed my life and it will, guaranteed, improve your life too. Give it a chance. You won't regret it.
By the way, if you think you'd like to commit to the full 13-week class, and you live in south metro Denver, let me know. We are starting one up in the next few weeks in the comfort of my home. We'd love to have you join us!