I would like to recommend a great book for those couples who are ready to do what it takes to get out of debt and do what it takes to have a bright financial future. Smart Couples Finish Rich, by David Bach, helps couples learn how to work together with common goals. Bach shares practical ways to save today and how to build those savings into future wealth. You'll love the simplicity of "The Latte Factor" and you'll be intrigued by the chapter entitled "Increase Your Income by 10 Percent in Nine Weeks".
This isn't just for people who own their own businesses. In fact, if you receive a weekly or bi-weekly paycheck, it should be even easier for you to budget your dollars and start putting away savings today.
Go on and take the challenge. Your patience and determination will be well worth it. If not for yourself, do it for your kids and future generations.