[Fairplay]

Originally Posted by Saul Good

As R8ers said, The Total Money Makeover is pretty good. Don't expect anything exotic or mind-blowing. It's ridiculously simple, but that's kind of the point. I can pretty much sum up the entire book:

1. Pay nothing but minimum payments until you have $1,000 cash to hide under your mattress in the event of an absolute emergency.

2. Pay the minimums on everything except your smallest debt. Spend no money an any luxuries whatsoever. Take a second job temporarily if you can. Have a garage sale and sell all of your junk that you don't need. Take as much money as you can squeeze out of your budget and pay the smallest debt off asap. Once that is done, take the money that you were putting towards that debt and start working on the next smallest. Every time you pay off a debt, it gives you more money to pay towards the next one.

3. Don't ever borrow again.

That's the crux of it. Obviously there's a lot more, but those three steps are a pretty good thumbnail.

Too complicated for me.