Just a quick post to let you know that Dave Ramsey has a free MP3 download on his website right now, Gazelles, Baby Steps, and 37 Other Things Dave Ramsey Taught Me About Debt. I have not listened to it yet, but wanted to let you know about it.
Dave Ramsey is a personal finance expert and has a some great advice regarding getting out of debt. During this time of spending (i.e. pre Christmas) You might want to check it out.
While you are there, if you have young kids there is also a free audtio book, A Special Thank You, to teach your child the value of doing the right thing.