Another good resource is Your Money: The Missing Manual, by J.D. Roth, who runs the Get Rich Slowly blog. He has some good advice on goal-setting and realistic expectations. This is part of the Missing Manual series, published by O'Reilly, which originally focused only on computer software but has now branched out into a variety of topics. The book is written for US-based readers so some of the stuff won't apply to us in Canada, but the basic principles of money management and goal-setting are universal.