0 Spend

Almost anything written by Suze Orman
References :

Books by this lady are a good start.

http://janebryantquinn.com/
References :

Personal Fiance for Dummies
Just skip the first couple of chapters on how to get out of debt.
Similar books avaialble at libraries at no cost. Get a library card.

You want to read the chapters on starting an emergency fund, saving for retirement…
Skip Dave Ramsey books since you are out of debt.
Look for Suze Orman books and basic investment books.
References :

*Ok, cut up any credit cards you may have if you don’t know how to properly use them. Sit down and figure out how much it takes for you to live per month. Make a budget and stick to it.
Limit how often you go out to eat. Like once a week, or even once a month. Put what you would have spent in a special account.
Same with going to the movies or whatever. Buy movies and watch them at home. But don’t spend over $10 for a movie. Limit how many you buy. Put the money you saved by not going to a theater in that special account.
When shopping for groceries, try to buy store brands. And go lightly on sweet goodies. Go to a $ store. They have much of what grocery stores have only much cheaper, and the products are just as good.
Take an inventory of your clothes. Buy only what you need. And cheap clothing is not always a good thing. Try to buy better clothes, but buy them when they are on sale. Don’t fall for trends. Buy good standard clothes that never go out of style. And as you buy a new garmet, take an old one to a thrift store or donate it to charity.
Shoes: buy better made brands. My favorite is Clarks. Whatever you buy, keep them polished and waxed, and they will look new for years. If the soles get thin, take them to a shoe shop, and have new soles put on. Same for heels.
Vehicles. Keep your cars well maintained. That helps keep them from breaking down and wearing out as fast. And, try to run errands while going to or coming home from work. Don’t make a special trip to do anything unless it is absolutely necessary.
Dont do all your holiday shopping at one time. When you see something on sale, and it would be perfect for Aunt Hilda, buy it! But there again, have a limit on what you are going to spend on each person. And when buying, don’t think it has to be expensive to be nice. I have much of my holiday shopping done.
Ok, I know this is long, and there’s more I could have written. I just hope this helps. And good luck!
Oh! One last thing. Pay cash for everything! Including cars!

And don’t spend money on books to tell you how to stay out of debt! Thats just my opinion. And this is coming from someone who is debt free. House and three vehicles are paid for!
References :