My parents got us a wonderful gift for Christmas this past year, and I have just now realized just how great it is going to be for us. They got us a membership to Dave Ramsey's Financial Peace University with its home study kit.

Robert and I have been doing a pretty decent job of managing our money but, with the arrival of our little angel, we decided that something needed to change. We wanted to be able to save more money in preparation for buying a house.
This month I started following the plan in the Dave Ramsey system, and it is already making a difference! I can't wait to see how this changes our lives!