Keep Calm and Make a Budget

I love, love, love Dave Ramsey. I've read a few of his books and have used his workbooks.   He has a no non-sense way of getting out of debt.  I highly recommend all of his products.

You can find them all on Amazon.  

It's easy to get wrapped up in the big gift giving scene, but remember that Christmas is a holiday for family and friends - not a go into debt holiday.  :o)