Jason I never saw this op before so I read through it. Graet op even though you got a little off track. I admire your desire to be debt free. You're very wise to have not gotten in to credit cards and all that crap.
Are you familiar with Dave Ramsey? He's a personal finance guy who preachs debt free living. He has a great book out called "Total Money Makeover" and it's really good. You may want to check in to it for your GF.
Good luck and please keep this updated periodically!