Tracie Fobes is the owner of PennyPinchinMom.com.  She and her husband paid off more than $37,000 in debt in just 27 months. She now shares her strategies for creating a budget, getting out of debt and making the most of your money, to help others learn to do the same. She is a regular contributor to Credit.com and has appeared on Good Morning America, Forbes, The New York Times and US News & World Report.