**J+O**

BetchySprout

I saw your post on EFF  a few days ago (I didn't get to read it), but are you switching to CD's? We absolutely love them (and the economy of them!) Did you decide on any yet? They can be addicting so make sure you budget yourself, I could buy diapers every day!

 Unsolicited advice ahead, be forewarned!

Oh and your resolution...have you read Dave Ramseys Total Money Makeover? We paid of a buttload of debt using his system. Over $15,000 in credit card debt paid off last year, and this year we paid off my car 3 years early, made a dent in our student loans, bought DH a car with a huge downpayment, and paid cash for our vacation last week. Its fab and worth checking out. When we started, I taught part time and worked part time at Walmart, and DH worked at Wegmans (a grocery store). We probably made $30K combined. We make WAY more now, but it wasn't much to start but we were able to pay off a good amount even then. Good luck!  

J+O

DH isn't too fond of the idea. ?I mentioned it to him but he thought I was nuts. ?So we'll see if it grows on him, lol.

And we actually have a Dave Ramsey financial book in our bathroom right now