Debt Journey

Honestly, everything covered in Financial Peace University should be available online for free. There's really no need to spend your money on it when it could be put towards more important things. Make a budget and stick to it. Contribute to retirement accounts, at least up to the amount that your employer will match. Build up at least a $1000 emergency fund. (I'd recommend looking at Fidelity for that; they have a product called Bloom that gives you both a Spend and a Save account. Deposit $25 and they'll give you a $50 bonus. They'll also match 10% of your first $300 in savings per year. What I'd do is just set up a small direct deposit to go into the Save account from every paycheck. You can immediately move it to the Spend account and use the debit card they send for an emergency. ) The biggest thing that I've learned, though, is it really doesn't matter how frugal you are. You can scrimp and save all you want, but the real ticket out is going to be increasing your income. Once you can create a bit of breathing room, then everything starts falling into place.

That's nice mostly I usually seek the advice from the experts in there forum

The only people I know who give financial advice that are extremely successful doing it are Dave Ramsey and Suze Orman. They have had successful TV shows, and books, although I don’t know the names of them. Would they help you personally? I’m not sure, but it would be worth looking into if you haven’t already.

The only thing I can think of is buy only what you need no extras. That will save you some money.