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If you were to tell me in January 2011 that by January 2014 you will have eliminated 50k in debt on a 30k per year income, buy a house, buy a new truck with 749 credit rating, get engaged to be married to a beautiful woman, and start up a sole-proprietor small business, and write an E-Book on debt management entitled B.I.E B.I.E Debt: How to Budget in Excel… I’d think you were nuts. I owe it all to Dave Ramsey and the debt snowball, to God and Belief in Jesus, to my fiance for giving me confidence and support, and to my ability to master a budget in Excel. If I can do it, then you can too.