You must gain control over your money or the lack of it will forever control you.

I would not pre-pay. I would invest instead and let the investments cover it.

There are no shortcuts when it comes to getting out of debt.

When people get scared, they quit giving.

Pray like it all depends on God, but work like it all depends on you.

When you create a basic budget and stick to it, it will suddenly seem like you have more money.

Debt is normal. Be weird.