If you are in debt up to your eye balls like we were, you need this book. Although many of the suggestions in this book for recovering from debt are commonly known, Dave has a way of motivating that makes you succeed! We have been following his plan for about six months and are already half way out of credit card debt. As simple as it sounds, the envelope system really works. We will never use credit for any other purchase again. I am so thankful for Dave's work- I know there is a light at the end of the debt tunnel because I can see it now!

I guess the only negative thing about this book would be that Dave's system is not easy. You will have to totally rethink the way you use money. But, in the end, I think that is a good thing because you fix the reason why you got into debt in the first place.

I am so glad I bought this book and am finally ready to start letting my money work for me instead of the credit card companies!