Shaving heads, check... drinking Kool-Aid, check...

Don't worry, we haven't joined a cult. Well, not a bad one, anyway. We just started our Total Money Makeover with Dave Ramsey. Kyle bought said book a few months ago, and he thumbed through it a bit, and I just avoided it alltogether. Then I started reading it.
:::Sidenote::: Those who know me understand it's a miracle if I read for Book Club each month, and I'm doing good if I got halfway through it. At this point in my life, my lack of reading truly is due to lack of time. But I didn't enjoy reading until my late 20's (thank you J.K. Rowling, my own personal Annie Sullivan in that respect) There, I said it. I was reigning Cliff Notes Queen from 7th grade to HS graduation. So sue me.
Back to "Uncle Dave"... I'm devouring said book, and can't wait to go medieval on our debt! If you want to look into it, go to his website, and look for the Financial Reality Check, and try out the Gazelle Budget Lite (a basic, quick-and-dirty free budgeting tool).
I know the Church has always warned us about debt. The problem is, once you realize how badly you're in the middle of it, it feels pretty hopeless. Faith and prayer will point you in the right direction, no doubt. Then you have to ACT. We're finally at that point, and it's scary, depressing... and yet exciting and hopeful, too. Join me! Shave your head! Drink the Kool-Aid!