Educating yourself is the the best start to managing your money and Dave Ramsey has an amazing program available through out Canada and the USA.
It's called Financial peace university. I have been taking this course for a little over a month now and I love it. I have already saved money and payed off more dept that I would have without this money managing course. It is funny and serious and smart. Dave Ramsey talks with such bluntness about how being in debt is wrong that needs to be told to so many people today.
Now you probably know that debt and poverty is not the way you want to live and know how to educate yourself, you are in a cheap living blog reading my posts and probably read many others or even have your own, but do you know everything you know to fight debt and win in the game of finances?
At my church this course is free but it may not be free in all locations so search your area for a course starting now and call the location to find out if it is free or if there is a fee. If you can not find any up coming courses in your area check for classes that are currently in progress (by choosing 'advanced search" from the search page)and call the location to ask when they will be starting again or if you can join in part way through. I have two friends that are just starting on week 4. In my church the course is 18 weeks long but this will vary by location as well. It is also requested that you purchase the workbook. In my area it is rather pricey ($130, Yowtch!) but I am finding that taking notes instead of buying the book is working out really well. They hand out any important paperwork in class so I don't feel you need the book, but some people like it.
There are many testimonials on the FPU website. Surf the page and read a little about it. I'll wait.
On top of this there is a special presentation, Town Hall For Hope. This is a special event that will be broadcast live to several locations and is about the recession in particular. "I am an American and I am not participating in this recession" is the tag line found on the Town hall for hope website. I wish I could attend but I found out about it too late to inform my church about presenting it and it is not showing in my area. You can search for your area from the search section of the homepage.