So, some big news in the entertainment world today is that Billy Ray Cyrus got booted from Dancing with the Stars. He put in a lot of hard work, so give him points for that. But his footwork was as awkward as Elaine Benes dancing on a high-wire over a shark tank. It was time for him to head to the house, if you ask me.

There comes a time in everyone's life where you need to say sayonara to something bad. Could be Billy Ray Cyrus dancing ... or your debt problem. I heard Dave Ramsey say on the radio that when you get to the point where you yell "I've had it!", your situation gets better right there. Is that you? Odds are, it is. So get started on making things better. Make that budget and get on a plan. Save an emergency fund and do some debt elimination. It's the stuff that dreams are made of, baby.