I can only say Thank You, everything you told me was very sound advice. I was in real trouble, spending beyond my means, and lost my job. Paul Quickly jumped into action and in less then one hour he had given me a game plan to lower my monthly spending by 1/2. I had no clue what I was spending my money on until he put it on the spread sheet it was a real eye opener and made it very easy to see, where I could cut.
I have since got a much better job and paid off half my debt and even lowered my monthly expenditures even lower than what Paul and I started with.
Thank you for saving my butt