Chatty, there actually ARE classes, but let me suggest you run to your nearest library and check out Mary Hunt's book,

"Debt-Proof Living: The Complete Guide to Living Financially Free"

It doesn't matter if you make 100.00 a month or 2000.00 a month, you CAN get out of debt and stay out. AND...have plenty to live off of... if anyone is ever interested in knowing the "jest" of her program and how it works, the basic in other words, drop me an email.

JJ