Actually, his concept sounds great. I'm about 600 away in savings for that emergency fund, and I HATE that feeling. I mean, I own a house. My biggest issues are impulse buying (things for my daughter and house mainly) and eating out. We eat out several times per week, and that is my biggest downfall, truly. I don't buy big, expensive things....it's the little things that have added up to about 12 K in credit cards/line of credit bills that make me want to vomit. I know I can do it, though. I will probably check out his book at the library, and read more on it. Thanks for the advice. I will keep checking out your pointers
