Please refer to the following sources and links to access further information.

The Total Money Makeover: A Proven Plan for Financial Fitness, Dave Ramsey

A solid guide for saving and spending.

Living Rich by Spending Smart: How to Get More of What You Really Want

Another solid resource for providing a “fitness program” for financial success.

Forbes.com, Personal Finance

An extensive online guide to personal finance with specific focus on news, tips and current trends.

Kiplinger.com, Tools and Calculators

An absolutely indispensible webpage, indexing tools for everything from how long one should own a car, to how to properly deal with credit cards. This is a stunning array of financial tools.

Total Cost of Ownership, Edmunds

Because just “payment and gas” is not the end of the story. In buying a car one must consider the entire expenses, for everything from the amount it will take to repair and maintain, to depreciation of the car (or the reduction in value before one sells it off for something better). This calculator compares cars by make, model, and year. In comparing prices over a five-year period, one gains the “bigger picture” in the car-buying pursuit.

MSN Autos

A good online resource for purchasing cars.