Check out Dave Ramsey's "Total Money Make-Over" book.
Dave Ramsey is a financial advisor, author, and talk-show host. He has
great tips and advice on how to get out of the hole you're in / could
possibly be in if you don't stop your spending! Of course you can't
say it's stupid because it didn't help you; hard work plays a factor in making
it useful. Do I follow his advice? Yes, I do.
Thought I'd share this with everyone since I found the literature section
recently lol.
His other books are pretty good as well, read them all 