Re # 4.
You'd have to be on a significant wage for 10% to cover "your shelter, house payments, rent, morgage"
Most repayments would be at least $200 to $350 ish. If you're NET wages are 2k to 3.5 k per week you wouldn't need tapes to learn how to save.
In theory some sort of savings plan or budget is good but as 4.9 EF Futura said, live within your means. For me, 1 income = girlfriend + baby to support means I barely get 10% for myself let alone churches/charities. pfft.
TIP 1 - Buy up big on concert tickets & re-sell them on ebay.
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