Dave Ramsey is a guy on the radio who talks about finance management and stuff. It just so happens my dad gave me one of his books for Christmas. Between us, I haven't read it all yet but I own my car and rent an apartment so I didn't have that much to start with (not a bad thing I know).
The money I would normally pay per month towards my credit card and loan will now go into a seperate savings account. My JIC fund.