Here's looking at you. That's what I'd say if the man himself, Dr. Martin Luther King, were standing next to me today. As the Martin Luther King holiday rolls around in '07, remember that MLK made lives better, so it's a good idea if you do the same.

I'll say this ... when it comes to making this crazy world a better place, it doesn't matter about black or white ... but having green helps. There are tons of charities and people who are down on their luck who could use a helping hand. So help 'em out. The sooner you eliminate debt, the sooner you have dough to give away. That's when you can really bring some smiles to the mugs of people around you.

The only problem is, you don't have any cash to give away if you don't figure out how to make a budget. Gotta know where your dough is going, jack. I know a good place to learn about a personal budget ... The Dave Ramsey Show. Check it out on the radio.