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      It sounds like you need Dave Ramsey FPU(financial peace university) it’s classes/meetings with his book.The only way I found out about it was through my church and they gave us a schlorship because they knew we wanted to take it but couldn’t afford it.It teaches and gives you advice on how to manage your money.I have been doing the zero balance and it helps me keep track of my money and where it’s going.From your starting balance you write down all necessities and what you need to pay until you get a zero balance.It takes a while to know how much exactly your spending so you have to write everything done at first.There is a Dave Ramsey group just like this one that you can ask for advice.It
      has help me get things in order even though I sometimes get off track but you got to keep at it.I hope everything works out.

      Original Message —-
      From: shadistin3
      Sent: Wednesday, July 23, 2008 7:15:34 PM
      Subject: : HELP!! Need tips

      I am a working mother of 3. My husband and I make decent money but we
      are always broke!!!!!!! !!

      We never are able to keep the bills in
      line. A lot of it is my fault. I just can’t seem to buckle down.


      don’t manage money well. I need tips on saving money on food,
      household items, etc……I don’t blow money, I just don’t put
      important things first then I freak out when I am behind. Sounds
      immature I know.

      Any advice would be helpful.

      Thank you.

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