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      I would recommend “The Total Money Makeover: A Proven Plan for Financial

      Fitness* by Dave Ramsey”. If you can borrow it from the library than do so, but

      you can find it any any Borders or Barnes & Noble. He does have a lifetime

      financial plan he touts, but he has a lot of radical, yet efficient budgeting

      ideas to accompany his plan. I’ve learned a lot from him. My kids are 6 & 8,

      but I actually have a plan set to be completely out of debt (vehicle loans,

      school loans, stupid collection accounts) in 6 years allowing me to still be

      able to fully fund their education when the time comes. He is a great




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