Excuses keep you where you are today. 
Changes take you where you want to be tomorrow.
"
Dave Ramsey site.WSOC Radio Interview clipThe News & Observer Mclatchy Direct Financial Pages
The Smith Family Left the Jones alone and made a conscious decision to live life based on
Biblical Principles.   Their story has been featured in over  75 different daily newspapers throughout the US & The United Kingdom, several online media sources, radio and blogs.