I wanted to share this website to help others out. I still have not figured out how to add a link but here is the website (www.joesangl.com). Joe is a small town version of Dave Ramsey who helps people free of charge learn to budget and get out of debt. He has a book and many resources on his site. If you go to the TOOLS section of his website there are free budgeting forms and other tools. My favorites are the monthly budgeting forms and the debt freedom date calculator. The cool thing about the budgeting form is that is self calculates for you. Red is bad and green is a balanced budget. Check out his site with new postings daily.
Happy debt pay off. I hope this helps someone get organized. I know when I am organized I am more focused.
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