I have been reading Mary Hunt from Debt Proof Living and Dave Ramsey. Both are Christians and both were terribly into debt.
I haven't done any of their seminars or bought their premium content on the web because, frankly, I can't see spending money to learn how to get out of debt when I'm not in debt! I am interested in their money savings ideas, but when you're not in control of the family's finances, what-s the point?
Here's my opinion. Debt is bad (nothing new, I know) But its also a heart issue. Its a faith issue, Its a contentment issue. People get into debt when they buy stuff they cannot afford and didn't wait for God to give it to them or save up for it. No matter whose program you use to get out of debt, you still need to address the issues that got you into debt in the first place! Cutting up the credit cards you abused is a start, but that doesn't take care of the root of your problem.
We are in the savings part of money management, but this is where DH and I don't see eye to eye. Oh well.
I can't cut coupons because they don't have coupons here. I can't have a garage sale, 1. because they don't do that here, and 2. I cannot sell my junk to people who can barely afford to eat! We can't stop eating out, because we don't eat out! I make most of my food from scratch already.
What's left is contentment, that is not buying stuff. The best way to save money is not to spend it! (profound, I know!) This will also help me tame the Clutter Monster and Flylady will cheer!