Another book suggestion
I just started reading Suze Orman's Nine Steps to Financial Freedom, and I've already learned something small that I can do right away. It will make a bigger difference than I thought: If you have credit cards that you pay the minimum on, add $10 to that minimum. It will end up saving you much more in the long run than you think, and it's a small enough amount that it might be more easy to do than you think. The example she gives in the book: "Let's say you owe and average balance of $1,100 on a card that charges 18 percent interest. If you pay the minimum 4 percent every month, and you never charge another thing, it will take you about seven and a half years to pay off your debt. It will have cost you $576 in interest. Same situation, but if instead you had paid $10 more than the minimum each month, you would have cut the payment period down to two years and your interest payments would be just $218 That's a savings of #358. Ten dollars a month is only thirty-five cents a day."