The wife and I went through Ramsey's Financial Peace University a few years back. Everything he advocates is simple common sense, and if you follow what he says to do, it really does work. It sure did for us - we are totally free of debt. But if you're used to living on credit or buying things on a whim, it will be culture shock for sure (we had a couple of people drop out of the class because they couldn't comprehend getting rid of their plastic). Everybody has "reasons" why they simply MUST use credit cards, but most are bogus. We now have only one, which we almost never use except for travel. It's hard to book a flight, car, or hotel without one, and paying cash for a plane ticket these days is a huge flag to Homeland Security.