Back in May, we began using an online budgeting program called Pear Budget. It is by far the most simple budgeting program I have ever used (I tried Money and Quicken in the past). Pear Budget has helped us get our finances under control and we have not really "suffered" while living on one income.
We made the decision to do more toward getting our finances in shape in 2009. God provided us with a wonderful Christmas gift from Brandon's Grandma Klippenstein. This gift was just what the doctor ordered! It was a copy of the book Total Money Makeover by Dave Ramsey. I read the book quickly and got on board with the plan. Brandon and I are now reading the book together (out loud to each other at bed time) and implementing the Baby Steps.
If you remember, please pray for us as we work toward living a debt-free life! We have made some financial errors in the past, but no more!