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Dave Ramsey's guideline on vehicles is that their total worth should not equal more than half your income. Something to think about.

I understand what your husband is saying about the van, but honestly their are roomy brand new cars out their for less than $30,000. I know you have three children, but new 2006 Ford Taurus can be found for around $12000. Just an example.

You really are doing well. You have made quite a few changes already. That is something to cheer about.!!