Hi ladies.

I just stumbled across this thread.. Thought I would mention the Gail Vaz Oxlade site Gail Vaz-Oxlade|Debt-Free Forever|Resources|Budget|Worksheet there are so many fantastic tips, resources and spreadsheets.

She has a show on discovery health called till debt do us part. These shows are all taped in Canada but she gives fantastic advice and I know of many who got their finances sorted using her jar method or just using the tools.

Check it out if you have the time : ) Oh, and best of all it is FREE!! ; )