TIA

Real Debt Help - Get out of debt with Dave Ramsey's Total Money Makeover Plan. (http://www.daveramsey.com/)

and his books...financial peace (an old one but still great) and the newer one...the total money makeover.

I feel like a dunce because I have actually read parts of his books but I guess the name of the concept just didn't ring a bell for me.

I think Kimbermama posted about it a few months back. There are actually a couple similar threads within the same time period if you happen to find hers.

Here's Kimber's post :)
http://www.amitymama.com/vb/mamas-simplifying-thrift-forum/329771-i-finally-researched-zero-based-budgeting.html#post2425086

Thanks:)