LOVE ME SOME DAVE RAMSEY! Another pinner said: "My husband and I have been doing the Dave Ramsey Debt Snowball system/budget for the last 2 years and we have paid off 2 cars, 3 credit cards, and are still going strong. I would recommend it to EVERYONE!
Gratitude Tree for Thanksgiving; would be neat to do for a Sunday School class and have the kids write on their leaves what they are thankful for and place them on the tree. can do this every week during the fall season til the tree is full.