Go download Dave Ramsey's Guide to Budgeting now, while it is free. DR's "Total Money Makeover" is what started this whole thing for me- the way I look at money, the way I view debt- even my intense couponing.
This guide to budgeting will help you understand how to make your money work for you. It walks you through the fears people have about their money (fear of seeing that you are really eating out way too much in a month, for instance). He'll explain his baby steps and the envelope system. He covers various paycheck scenarios, marriage and having a baby! This is just the icing on the financial cake, as obviously he goes more in depth in his books- the ones you have to pay for. However, it's enough to get you facing in the right direction!
What are you waiting for? It's free and it just might start you on the journey to living debt-free.
-Kristen
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