S.Sulivan by radio

I’ve listened to S. Sulivan on the radio, and already have his Fin Peace book, but got an opportunity to go to a seminar yesterday. He’s funny and so realistic. I bought the TMMO workbook — I’m not in really dire financial straits, but I spend and waste money ridiculously (I’m definitely one of those free spirits). So, I’ll be starting with my baby steps (I do have a $500 emergency fund, but I still have lots of stupid credit cards).

I guess, for me, the biggest thing will be the self-discipline part–do I really want to do this, am I willing to do what it takes? I’ll have to let you know.