Hi, Jim. It's the How To Get Out Of Debt book that Mary Anne is scanning a later version of for us. I used it for about six months before I was ready for Dave Ramsey's concepts. It taught me how to keep track of what I spend. That alone has helped me get control over the money drains like grabbing a fast food burger that sap money almost invisibly. I was intimidated by a formal budget and didn't think I could stick to it. Writing down what I was spending was all I could do for awhile. So that book was a sort of foundation for me, like training wheels. Dave Ramsey is great, but I needed a more... I can't find a word for it. I needed to learn to crawl before I could walk. -- Monica Willyard Visit my blog at http://www.scannersguild.com To unsubscribe from this list send a blank Email to bksvol-discuss-request@xxxxxxxxxxxxx put the word 'unsubscribe' by itself in the subject line. To get a list of available commands, put the word 'help' by itself in the subject line.