I am brand new to this board and brand new to doing Dave Ramsey's FPU Online. We just got married last month, and I'm bringing in 2 adorable little children from a previous marriage. We really want to get debt free and get our finances in order, as we're currently buildling a home. Currently, we have 2 car loans and 2 credit cards totaling about $25,000. We have $50 in savings. If anyone is familiar with Dave Ramsey, we have just started his baby step #1, which is build up $1000 in an EF. I'd love to hear any hints or ideas or ways to help keep me motivated and accountable to achieving our goals..It's really hard when I see a great piece of furniture or some gorgeous pillows I would love to buy for the new house and stay focused on the path of debt free.