No, it's not spam, it's my financial reality!

I just paid off the last of my student loans five minutes ago. The only remaining debt I have is a few hundred in credit cards that I pay every Sunday, and my home mortgage. On the advice of my mother, I'm currently reading The Total Money Makeover by Dave Ramsey. I've kept a food and entertainment budget now for over two years, and I try to keep my checking account at the same level, but generally don't have a comprehensive budget. Now I'm going to set one up, as well as stop borrowing money for things I want to buy. The house will be a little more complicated, as my intention is to sell it to the coop when I'm ready to start it as a legal entity. That will mean getting a loan from a place that will loan to coops, which have a very bad reputation for folding.