I signed up for Dave Ramsey's Financial Peace University classes at a local church. The classes are supposed to begin on March 2 and run for 3-4 months. There is a kit that I have to purchase. It costs $149 on Dave's website, but I'm going to wait until March 2 to see if the church is selling it for a cheaper price. I may decide it's too expensive and drop out, but I'll keep you posted.
The classes are on Sunday afternoon, so maybe it will encourage me to attend church on a more regular bases. Especially since my church is 3 blocks from this one. Then I'll really have my act together. I'll have my finances, health and spiritual life in order. Keep your fingers crossed.