@lexterwayne thanks for the dave ramsey thing! I have spent a good bit of time today looking at it and hubby at home has been too! Doubt I will buy books but don't really see that you need to! So, what are you doing in your girls room? Mackenzie is 5 now and her room is still pink & sage (from when she was a baby) and she told me the other day...she wanted pink and brown or pink and black...oh my! So we may start on her room....oh if the budget allows.