Becoming Debt Free

I think I may have touched on this subject before, but I am going to again because it is such an important subject. As I may have mentioned before, my husband and I are currently working our way out of debt. At first it seemed like it would take forever, but now it seems to be such a blessing. We use to be those people who lived paycheck to paycheck, and would take out a loan when we wanted or needed something. One of our dumbest loans was a huge loan we took out for a van, that actually cost about a years worth of income. It is so easy to look at something you want, like a car, and think, "well we can afford those payments". But now that we have been there and done that, I NEVER want to take out another car loan. Buying a used car that we can afford seems so much wiser. When one goes back and looks at all the interest we pay on a car loan, wow! We could have bought something else with that money. I think that it is also easy to get into the habit of buying things on credit or with a loan. Again easy to say "oh we can afford that payment". Then pretty soon one has too many payments and a job is lost or a need arises and soon there is too much to pay for and then well..."what to do"? It is good to plan for the future..needs arise, things that we want to do. We are HUGE fans of Dave Ramsey. He has a daily talk show, and a web site with helpful things such as budgeting and of course getting out of debt. He has been a great encouragement to us getting out of debt. The link to his web site is http://www.daveramsey.com/home/