My wife and I are followers of Dave Ramsey. I listen to his podcasts, have been thru Financial Peace and have even been to one of his book signings.
The Dave Ramsey Baby Steps:
1) $1,000 emergency fund.
2) Pay off all debts smallest to largest following the debt snowball. While paying minimum payments on all other bills.
3) Fully fund the emergency fund to 3-6 months of expenses.
4) Invest 15% of income into retirement. Take a company 401 match where possible, then fill in with Roth IRA’s.
5) Save for the kids college fund.
6) Pay off the home early.
7) Build wealth and Give.
We don’t do everything he suggests to the letter, but we do a monthly zero based budget (using Everydollar). We have an emergency fund, and are in the process of paying off the 401K loan (that was used to close on one of our properties). Our goal is to have it paid off before the year is over.
I would highly recommend learning about Dave Ramsey and following his program. Especially if you are sick and tired of being sick and tired.