I want to read Total Money Makeover and am on the waiting list for the library. On Ebay, there is a hardcover of this book in the 2007 edition, plus a workbook for $34.00. Is the book worth it? Do I need the workbook? Should I spend the $34.00 or wait for the library to come through? Here I am wanting to start paying off bill and budgeting and the first thing I want to do it spend money on the book!