I can whole heartedly recommend that you look up and sign up for a Dave Ramsey Financial Peace University class. It's 9 weeks long, held once a week at a local church.
I'm in week 2, week 3 for me is this Wed. Even after the first class, I was already thinking about money differently.
It IS $95 for the class and materials, but it's the best $95 you'll spend. And you can bring family members for free, so if your folks are near you, see if you can get them to go. See if your girlfriend will go with you to support you.
My folks challenged me to sign up, and and I'm so glad they did!
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