I want to teach as many people the power to be debt free. Nothing sucks more than logging into your bank account to see that you bounced another check. Then to add insult to injury the bank slaps a $40 return fee on it. So I will provide some financial advice to get you on your way to prevent this from never happening again.
Add on my own personal budgeting spreadsheet to enhance and speed up the process of becoming debt free. Just remember time is money and the longer you wait to become debt free the more money it is costing you.