So I was introduced to a book called Total Money Makeover by Dave Ramsey. I'm usually not a fan of self help books, but his book really hit the spot. I recommend it to anyone. For the $17 cost, it's entirely worth it. His book is all about the down-to-earth wisdom of getting out of debt, and how to stay out of debt.
His book doesn't contain any secrets. Nor does it contain any special financial products or services. It's just plain reason. He explains the fallacies and myths that a lot of people believe in. And he explains the simple plan of getting and staying out of debt.
In all my 28 years, I have never kept a budget. Never. I never thought I really needed one. But this week I will create my very first budget and I will keep it. I have come to the realization that I need to take control of my spending and focus my money on staying free from financial bondage. One thing that I really like about this book is that the ideals taught in the book are the same ideals taught by the Church. So after having read his book, I look forward to taking control of my financial future.