Are you paying for the "right stuff"?

Even though you may be "pinching pennies", you might not be paying for the right things!  I encourage you to find Dave Ramsey's, FINANCIAL PEACE UNIVERSITY classes http://www.daveramsey.com/ and bite the bullet and take the 13-week course.  One of our class members said, "(I) wish it were forced learning for so many others".  The cost of the kit if about $100 if ordered with the class.  Could you afford to spend $100 to reap such great rewards in your finances?