Ways to save money with a fixer upper.


We bought a 1941 fixer upper in April of this year.  It had been abandoned for years except for the squatters that took up residence and rotated groups of them out for God knows how long.

The home has great bones, as they say (I picked up a lot of housing lingo on this journey), and what it needed most was a scrub down and paint.  I like to use green cleaners but I turned to bleach cleaners for this project being that I can only imagine what had occurred in our home and didn’t want us getting a case of staph or whatever you get from intense filth.

Industrial strength cleaners, paint, paint, and more paint, lots of mowing, pruning, planting, and some fences and that was it.  There was a little plumbing and electrical and we did hire a carpenter for a while but then he left for a family emergency in Mexico and my husband learned to do a lot of things fast.

Now we are settled in and not wanting to dip into the savings anymore.  We were very smart about the purchase and penny wise with the work on the place but now we are having to be super frugal.  As in work with what we have and no more trips to Home Depot.

But I still need soil for one of my raised beds.  I need a laundry line.  We had no light bulbs.  I have other desires too, like a hammock and things that don’t make the list of “priorities”.

And just like that PG & E called regarding a weatherization on our house.  Being that we are low income we qualify for something I talk about in my books all the time but never owned a house to do it.  PG & E’s Weatherization Program.  PG&E will come in and change out your lightbulbs, weather strip doors and windows, replace your microwave…or give you one if you don’t have one.  They will insulate your attic and caulk under sinks.  You can get support in replacing a frig too.  All you need is a pay stub and a bill that shows that you do reside there.  If you rent you need the landlord’s permission.  I love this program and we just had almost $300 dollars worth of LED lights installed for free!  And the lights aren’t that hideous fluorescent.  They actually give off a very warm and soft light.  We won’t qualify for insulation in the attic, however, because we have tube and knob wiring and it’s a fire hazard.  Not really, it’s some of the best wiring from the old days but companies don’t want to be liable.

I also found that you can go to the local landfill sites and get free compost and free mulch.  This can save a bundle.  There is a limit though and for our area, I was told 50 lbs and that ain’t much but it helps.  You can find free manure and soil on Craigslist, you just don’t always know how good the dirt is.

In some areas, the local gas or/and electric companies have free tree programs.  SMUD in Sacramento County will give you up to 10 trees for free!  We are in Sutter county with no such program.  Darn.

I’ve found free lumber and bricks on Craigslist.  There is another site FreeCycle where people give and trade all sorts of things.

As for the laundry line, as soon as I find where I packed that rope I will have one.




Why it’s more important than ever to become sustainable and green.


With Donald pulling out of our Global Climate Change deal and pushing the coal as a way to start up our economy, I was feeling my old fears creeping back into the late night hours when one lays in bed trying to slumber peacefully before another long shift of homemaking and child rearing.  I started to think the old defeatist thoughts of doom and gloom.

Then I received a letter from Al Gore.  Not personally, of course, but it was a chain letter on email to all us grassroots environmentalist.  He was talking about how, despite Trump’s backward efforts, we would keep going forward.  He spoke of a sustainable and green movement that has gained so much momentum over the years that it is unstoppable and all the corporations and groups, big and small, that are on board to make changes for this environment.  He talked of all the incredible achievements we have already made such as towns that are almost 100% clean energy and how we are reducing pollution daily with all our efforts.  This sustainable movement has gained such huge momentum that we can maybe sleep some at night.

It seems that Trump has come to this game and is playing the role in this drama as the bad guy to wake us all up.  He is serving a great purpose in doing that.  He plays the villain and we all come alive and begin to fight the good fight spurned on by our feelings of revulsion for this very bad king.  And we have…awakened that. There are more groups and movements than ever before and I truly believe that even with the US now out of the Paris agreement and reopening coal mines, we will convert to clean energy and morph into a green country faster than you can blink.  Why?  Because so many feel motivated to do the opposite of what these old, white politicians are doing.  They are from the olden days, a time that has passed, this is a new age.  Coal, humph, that is so old school.  Coal stopped working ages ago.  Whole cities are starting to go all natural 100%.

Even on a small scale, I see us humans changing.  I see more people biking and walking than ever.  Organics have grown some 30 billion dollars (I may or may not be exaggerating)  and even corporate farms are testing out organics and biodiverse farming.  Forest and Amazons are being protected and replanted because farmers have seen what happens with over farming and deforestation.  The soil turns to sand and will no longer serve you.  The Great Mother will not take care of us if we abuse her.

People are becoming aware every day.  They are watching what they eat, concerned about the environment, paying attention to where their money goes, installing solar, working closer to home so they can bus or bike, spending more on non-GMO popcorn, reading labels, reading reports.

I recently moved to a farming community.  I live in town and have my own small bit of land.  For me, it is a wonderful opportunity to really practice all my sustainable and green tricks.  I started my homemade compost behind the detached garage and went to work planting fruit trees, a strawberry patch and two really big raised garden beds.  As soon as I find my rope I will hang my clothes line.  We also walk to whatever we can which is almost everything.  I will be shopping at Farmers Markets and I buy pretty much all organics and free range.

Even Grocery Outlet has tons of organics, nonantibiotic meat, and free range eggs now.  Lowes and Home Depot had so many organic compost and soils I had trouble choosing.  Change is here.  People want to change, they want to be connected to nature and eat clean.  People want to feel the soil in their hands and get back to the land even if just a bit such as more trees in their city.

I recycle, reuse, compost, donate to causes that are actually teaching people how to fish not just giving them handouts.  I am careful about where I spend my money and I try to stay local, local, local.

A green and frugal life is far easier than some might think.  It’s also fun, inspiring, and creates such peace of mind and freedom in life that once you really get into it and live it for a time you will not be able to go back to anything less.

A frugal lifestyle means choosing libraries and movies in the park over Barns and Noble and the Cinema 6 (although I love the movie theater and try to get a movie night once a month).  It means creating a compost in your backyard instead of throwing away food scraps from the salad you made that night.  Frugal means spending more time at home and learning to love it and getting all sorts of free or inexpensive projects going.  It means hanging your clothes on a rope outside instead of running the dryer all day.  Then there is the next step of baking your own bread and gardening, planting your own herbs and fruit trees, and cooking from scratch.  These are easy things to do and they save money, are good to the environment, create more of a homey feel, the family enjoys it and benefits because some of these actions mean healthier foods and more family time.

Living sustainably and being thrifty creates more peace of mind in two ways: one is that you get out of debt and don’t have that burden, and the other is that you learn to slow down and be present because you aren’t running here and there shopping and spending money, using car gas and making pollution.

Times are changing, some for the good of all humanity, Earth and all the creatures.  Some changes aren’t good for anyone or thing.  We must be strong, smart and wise in our choices and how we create our worlds right in our backyards.  It’s time to become aware of our effects on the whole world.  We can do it right at home, we can make huge impacts and influence thousands by our actions.

Walk to work, bring your own tin water bottle and cloth shopping bag.  Grow a garden, hang a clothesline, get chickens, donate to great causes, sign petitions to save jungles and Gorillas, plant trees.  Care and love and show it.  Get out of debt, reduce your footprint, your waste.  Let’s go back to how our great grandmothers lived.  They were sparing and shrewd.  They wasted nothing and they had fruit bearing trees and gardens in their yards, not pools (although pools are great).  They saved and reused everything!  And back then there was half the population.  Now we’ve doubled and the waste is ridiculous.  But that is changing.  Be a part of that.  Make it into a game, have fun with it.

I have very motivating and fun books out on Amazon to teach frugality and sustainability.  My books are all .99 cents so everyone can afford them.  The most enjoyed and popular right now is my new book The Homemade Housewife.


Settling into a new town and growing roots.


I am sitting in my very own backyard under a gazebo sipping my morning brew and listening to my children playing in the open garage that is more like a detached shed.  They have found a bag with a Christmas train and are trying to assemble it.  I only pray that they don’t figure out how to get the batteries in properly.  The train is charming and holidayish and has a train sound like a bullhorn that I silenced last Christmas.

I’m looking about at all the shade and fruit trees we planted the other night, at my garden beds I put together the next morning, the strawberry patch I created immediately for the boys so they wouldn’t miss their old one.  It’s a fairly quiet neighborhood filled with the sounds of birds.  It’s a small town, however, I hear more sirens daily than I can remember ever hearing in the city.  My husband said he feels like we live in Oakland.  I believe it’s because we have the fire department a few blocks down and around the corner.  Every situation requires the department to show up, therefore, the sirens are all day along with all the dogs that howl right along with them.  The funny thing is that I don’t hear one siren at night when crime rates are highest.  I’m hoping the daytime activity is just a kitchen fire here and a fainting spell there.

I have recently moved, for those of you who don’t read my blog, to a small agricultural town by the name of Yuba City.  We have the largest Punjabi population in the US?  I’m not completely sure but so I’ve heard.  This is great since my husband is a Punjab himself.  These people are peaceful and kind for the most part and I feel happy and safe nestled in with them.  They ride their bikes with their brightly colored turbans and the woman walk down the streets in their gorgeous traditional dress.

Parts of this town are charming and parts are ugly.  Mostly the parts that were built up in the 80’s.  I remember thinking that I would never, ever want to move here.  Then a few months ago I felt a pull to move here so strong that it drove me to find this house.  It’s fortunate that I had a change of heart because this is almost the last place that is affordable in the Sutter-Sacramento area.  Housing prices have skyrocketed everywhere due to all the city folk making a rush for these homes that cost a quarter of what a home would cost in the city and are 4 times the size.

When I woke up one day and decided it was time to purchase our own home, we only qualified for $130,000 loan.  In this area…or any area these days unless you move out of state, that is chump change and will get you a trailer in an abandoned lot.  This is almost not an exaggeration.

I searched far and wide, I went to the smallest and ugliest towns, looked at houses so run down and stinky that my nose burned with the smells on into the night.  I looked in bad neighborhoods, trailer homes, modular homes in trailer home parks.  No luck.  We were priced out of even the worst situations.  When we did find something that was palatable and made an offer that took every cent from our savings account, a competitor would out bid us by mere dollars.

But this is how God works His magic.  He lets us wander the desert for a while and then he shows us paradise.  However, sometimes paradise can look a bit shabby and so you have to trust Him when He says, “Yes, right here.  That’s right.”

I was literally pushed into a corner.  We had decided to move to Yuba City where my husband runs a gas station.  We had been outbid a couple times and I had just put an offer on a hideous house that I can still smell to this moment.  The next day I went out scouting and there was really only one house left that we could afford.  I had passed it up online several times over and over.  The house was a 1941 charmer that needed work.  It was the yard I didn’t like.  It was small and half cement.  But I was desperate and had no more choices so I ask to see it and upon entering the home and seeing all the built in cabinets, the old world charm trying so hard to express itself through the grime and stained carpet, I said to my realtor, “let’s just put a bid on it and see what happens.”  My idea was that if I put offers on several houses I just may win at one and stop the constant disappointment that I was feeling since starting this journey.  It was a HUD house and bidding would start the minute we made an offer.  By midnight there would be a lucky gambler.

The next morning I got a call.  No one had bid that night and we won ourselves a house!!  The price was $135,000.  A miracle.

Long story short is that we are now settled in.  The house turned out to have good bones and just needed a little plumbing, electrical, and a lot of scrubbing and painting.  There were beautiful wood floors under the stained carpet and the sprinkler system worked great.  We fenced in the whole back yard and the garage that is an old style garage separate from the house in the back.  We have little tiny forest everywhere and now that it’s all fenced in we have a lot of land.  We still have the square of cement but I have covered it with huge garden beds and created a charming patio on the other half complete with an old gazebo.  We have planted all sorts of fruit trees such as plum, avocado, apples, lemon, orange, mandarin, pomegranate, along with a shade tree that will grow huge in our front yard.

We have kept all the old charm, painted each room a different color, the outside a rather shocking blue (by accident, just don’t know what you’ll get with those paint swatches), put a real wood white picket fence around the front yard, and my neighbor, Penny, has given me a bundle of colorful geraniums that I have lined the fences with.  We have also planted a rose bush for each member of the family.  And I have only gotten started.

The house had been occupied by squatters for so long and abused, neglected and made filthy and sad.  It is now bright, clean, and colorful.  It is filled with life and love and will be a project for years to come.  It needed us as much as we needed it.  My husband has found a new pride in working with his hands to renovate this old home. He has learned to build gates, paint interiors, and repair floors and tile.  He works late into the night and I know that he is loving it.  I work outside all day for hours on end planting, digging, weeding, and creating front and back yards from weeds to an overgrown paradise.  The boys haven’t watched cartoons in weeks, but at night when they are too tired to do much else.  They live in the backyard climbing trees and digging in the dirt.  Maggie, my cat, sleeps outside even in hot days.  She has a spot now under my wicker stand under a pot of red geraniums or the purple tree-like bush in the front yard.  The dogs are in heaven and are much calmer and also live outside where they sniff the neighbor dogs through wooden fences and chase squirrels.

The neighbors have come to thank us from all sides.  They feel safe now that a normal family resides instead of the dealers and prostitutes that were running this little patch of ground.

As for the town, I’ve found a lot of delight in some small surprises.  I love the farms and rivers of course.  And all the parks are really nicely done.  I have found that the local Grocery Outlet is loaded with all sorts of organics, non-GMO’s, free range eggs and antibiotic free chicken.  It turns out the wife and owner has become a Crossfit fanatic and changed the families lifestyle along with what she stocks her store with.  Lucky for us!

I’ve found dynamic and authentic tacos for .75 cents right there at a taco shack outside Home Depot.  Real tacos with the cilantro and onions and seasoned steak on corn tortillas.  Yummy!

I have found a fantastic new Chiropractor that cost less than my last one after my back went out and I rolled around the driveway for a bit the other morning.  Fortunately, I was in the backyard so the neighbors didn’t see.  Unfortunately, we were doing FaceTime with our family in India so they had the fun of seeing me rolling myself into the shade so I wouldn’t bake in the sun like a snake while I tried to plan out how I would stand erect again.

We have old parts of town that are really quaint and Victorian.  Yes, maybe a bit run down but that only adds to the old world charm.

I’ve found a charter school to homeschool through and I’ve joined a homeschool group.  I met with some of the families already at a park day already.  I met some women I really like and have church plans with the grandmother of Arjan’s new friend already.  And Arjan has two new friends!  Sammy made an impression when he tried to strip down at the water fun play area.  I finally convinced him to keep on his diaper for a bit, however, later he decided to take it all off and I had to chase him across the park with him naked and his diaper riding one ankle.  I could hear a teenager yell, “there’s a naked kid in the park!!”  My other son then decided to pee behind a tree without really hiding his parts properly and I only knew this when I saw some teenage girls pointing and gasping.  So, I was properly embarrassed for the day.  But I’ve had dogs and children for a while and my pride was gone loooonnng ago.

I will be starting a new church on Sunday with my new friend granny Joette.  We are already interacting with our neighbors and I’m feeling my tiny, wobbly roots digging in a little more courageously each day.

When you rent you feel that you can just pull up your tent poles, put out the camp fire and saddle up to ride out of town.  There is no need to push yourself to build community.  I once had a community on the coast.  I had a job and church.  I had all sorts of friends, went to potlucks, met with girlfriends for coffee, had play dates.  And then I moved to Sacramento and I had no one but many long days and nights with two little boys.  I took up educating myself on all sorts of topics and later I took up writing and was lonely no more.  But I still had no feeling of love and devotion to my huge and new city.

Over here I am already feeling that love that I felt for my small town on the coast.  I’m bonding with people quickly and the days are already filling up.  I even have a neighbor here on the corner of my street that I can visit just to take a break from my family.  We have already shared some history and bonded over the crazy neighbors across the street. I’ve been supplied with geranium starts and borrowed tongs from other neighbors.  Even my rebel neighbors only fascinate me now.

We own this house.  When I cook on the stove I say, “I own you stove.”  We can plant whatever we want, I can paint the rooms any color I choose, we can take in a friend in need, I can even take in another dog or cat in need…and I don’t have to ask for permission (except the husband, of course).  I never have to worry about rents going up or the landlord deciding to sell the house.   Hopefully, I won’t have to pack and move for a long, long time.  Maybe never.  I can’t say that but I can say that it will be our choice.

Did I freak out or worry when moving in?  Oh yes.  I woke up the first morning after a mockingbird kept me up all night, and I felt serious concern that we had made a big mistake and we were now trapped.  By the next day and a bit more sleep, I was in love.  My sons have had meltdowns but they already love this home.  With a couple new friends and a few seasons and holiday memories, we will be right as rain.





Bringing an old home back to life. And on a small budget.


So, here is the unveiling of our wonderful little hidden gem.  We only had $130,000 for a loan to work with and I found this HUD house, made a bid and God was kind, no one else bid on it that night so in the morning we were proud parents of a poor, neglected and abused home.  It had been abandoned for years and housing squatters.  It had some funky energy and smells, to say the least.  But with some of our savings, lot’s of scrubbing, soap, paint, and planting of trees and gardens…it is back to a wonderful life housing a loud and fun family.

We purchased the house for $135,000, closing costs were $9,000 and all the work and supplies along with hiring Leo, our carpenter, was around $15,000 give or take.  Total $159,000.  We used savings that came from 6 years of frugal living and we still have some savings left.  Our mortgage with insurance, taxes and MIP (mortgage insurance you must pay if you didn’t put 20% down) all included is a fabulous $918.02!  It took us 6 weeks to do the work with Leo working daily and my husband working after his job each day and his one day off.

Here are the rest of the before and afters.


The color is wild but it’s hard to see from those little swatches what you will really get.
























It still needs a little work here and there.  But this is the main chunk of the progress.  I look forward to seeing how this little house evolves over the years.

For those of you interested in getting out of debt and living a more frugal lifestyle for peace of mind and real freedom in life, check out my new book The Homemade Housewife.  I have every tip and advice that I have learned over the years from hundreds of other frugal hens and applied.  This frugal living was the only way we were able to purchase our first home because we live on one small income and have 4 humans and 3 furry family members to take care of.

So, if you want to get motivated get this book and have fun with the journey.  It cost less than a cup of gas station coffee.  I want everyone to have the joy and freedom I have found in living sustainably, frugally, and simply.



The simple and frugal life outlined for the beginner.

The Homemade Housewife: The last book you will ever need on homemaking and frugal living by [Singh, Kate]

I was having a chat with an old friend today.  They make great money and haven’t much to show for it.  They have high rent (who doesn’t nowadays), two car payments, lots of expenses going out each month.  They make double what my family makes a year and still do not own a house or investments.  Both parents work and they struggle.  Does this sound familiar?

The excuse is, “it’s too hard to save money.”  Maybe.  Sometimes it just takes a couple changes to start saving money.  The easiest way to save money is to wait for your tax refund, if you get one, and open a separate saving account and have it deposited into that account each year.  That can be a great way to save a lot of money each year without trying.

If you have some big goals, such as buying a home or starting a business, you may have to get more structured.  Or say you, as a couple or family, want to go down to one income.  Perhaps a spouse wants to go back to school or you just had a baby and mama or papa wants to stay home and be with the wee one instead of returning to the world of quotas and commuting.

What do you do?  There are hundreds of things you can do.  If you are broke now and need help then look through my recent and old post.  I share all kinds of great ideas.  I also have some great books out there for only .99 cents on ebook and a couple paperbacks like the ones I have posted on the top of this blog.

I am a top contestant when it comes to being frugal.  I don’t have a ton of original ideas, however, I have hundreds of ideas that I have gleaned from hundreds of wise homemakers and advice that have been passed down from great grandmothers that have lived through a different time altogether and know how to make a dollar stretch.

When you become a veteran of the frugal life you will find that there isn’t a lot of new ideas out there.  When I first started learning how to be thrifty I devoured every book, article, blog, and YouTube I could find on the subject.  I completely embraced this lifestyle and, although we make more money now, we still live this way.

Why?  Because this is a life of peace, freedom, deep sleeping at night, no stress, and making our dreams come true.  Like buying a house recently.  Which was also a very frugal find.  This is a great life, environmentally sustainable, and focused on family and fun.

I have now filled and packed my books with this info.

Get on amazon and find me:


Getting ready for the big move to the new castle.


Holly Sha molly!!  I am sitting here taking a break with my ice water and brewing a small afternoon of coffee delight.  I have spent the day washing dog bedding, throw rugs, shampooing area rugs, vacuuming and washing all the floors, washing stinky dogs….I guess I’m doing the spring cleaning but today I was motivated by the landlady.  My soon to be former landlady and the last landlady or lord I shall ever have God be willing.

She asked to show the place today and I am thrilled since we still have a month and a half on this lease and the thought of paying a mortgage and rent next month is not my happy place.  I want the place to look its best.  This home has really served us well and I’m sure I will shed a tear when we leave this old friend that has been so sweet and cozy.  This little cottage is where I started my humble writing career (still humble but less humble, eh hum).

I moved in here and as soon as I was unpacked and had toured the neighborhood with the kids and the stroller, I sat down and wrote the first of 15, now 16 books as of the other day.  Praise God and praise Him for this wonderful home of inspiration.

And now I pack daily and wash walls and floors to prepare to hand over my little home that I’ve been borrowing and go on to my very own tiny, tiny castle in Yuba City by the old town and the river and all those walnut orchards.

I am also preparing to start homeschooling after the summer and had an orientation at Core Academy last night.  Before our journey over to the Charter school, I dropped by the little castle and I have to say, it looks a bit Puerto Rican these days.

I was debating a yellow exterior or a little Periwinkle blue (I don’t know that what I have in my mind as Periwinkle is really what the color truly is but the name sounds swell).  After having a bit of a tuft with the paint man at Sherwin Williams…and losing, I went with a blue.  I picked a random but pretty blue out of desperation.  My children were acting crazy, one was being a dinosaur and the other was grabbing fist fulls of paint samples and throwing them like confetti and the paint man looked hung over and like we were working his very last nerve.  He said they didn’t have yellow in an exterior paint.  I assured him that the house next door had found a yellow exterior paint and the house down the street and many houses in America.  He said he couldn’t do the paint I wanted and so I grabbed a random chip and said, “Fine, do this one then.”

The color is vibrant and blue as the Caribbean.  I don’t think there is a house in Yuba City that will be able to match that color. Helicopters will be able to see us from the sky.  As for the other rooms within the house, well, those are all different colors too.  I love it!  I can do my house any crazy way I want!  I can plant as many trees and hang an old fashioned clothes line, plant my big vegetable garden and have a hundred bird feeders and chimes off the eaves.  For me, those are the pros of owning a home.  And housing security during these wild housing times.

For those of you who have just joined this story, my home was a HUD home I won in a bid, simply because no one else bid that night.  I paid a small sum of $135,000 for this little 1941 house.  I then learned the history.  It had been housing squatters, drug dealers, and prostitutes, oh my!  I was warned by the elder across the street to not leave any blue shoes out on the porch (that meant the drugs were in) and now I’ve gone and painted the whole house blue.  The poor house was a bit of a mess and very depressed.  The energy was horrible and I felt sad each time I visited as we worked on the place.

We found a skilled old carpenter and have been cleaning, painting, and repairing since.  The house feels so good now and has no funky smell left.  The birds are gathering in the yard and the neighbors come out to greet us when we show up.  Everyone is grateful.  Including us.  The house is a blessing to us and we are blessing to it and the neighborhood.

We are spending nearly every pretty penny that we have saved for the last 6 years to bring this home back to life.  I believe that we will have a bit of saving left because we are being frugal about the work.  For example, some of the electricians wanted to tear out all the wiring and redo it because it was knob and tube.  The thing is that knob and tube is actually some of the best wirings from the old days when they made stuff to last.  If it hasn’t been chewed through by mice or fried then it’s great.  To replace it would cost at least $13,000 or more and the walls would be destroyed.  My walls are lathe and plaster and I don’t want those touched so we just did what actually needed the attention.  We did the plumbing that needed it and not all of it.  The house has good bones and what it really needed was a lot of soap and lipstick.

So, I sit here and think about my new blessing.  I have dreams at night about having babies and weddings all the time now.  My friend thinks it’s all subconscious stuff about this house.  Rebirth, a commitment.  It is funny, I had a dream about getting married and having to borrow a “very blue” dress.  And just like a marriage, I’ve had the quiet freak outs at night wondering if this was going to go well.   Yuba City is a very different land compared to Sacramento.  However, we drove through there yesterday evening and everywhere you go are Punjabi’s with their brightly colored dress and turbans and chickens and it is about the most charming thing ever.  Yuba City has chickens everywhere you look and they all know how to use the crosswalks.  Sigh.


The Homemade Housewife.

The Homemade Housewife: The last book you will ever need on homemaking and frugal living by [Singh, Kate]

This is my last homemaking book!  I think…

This is a whopper of a book loaded with all the best from all my books.  It’s got the recipes for scratch cooking, household cleaners, even beauty products.  I cover Urban farming, affording organics, going green and creating a sustainable life.  There are ideas for working from home and earning money, getting out of debt easily, and stretching that dollar.  How about traveling, holidays, parties, having house guest?  Covered.  Raising children and pets?  Homeschooling?  Covered!

The ebook will be free for the next few days and after that, it is a tiny .99 cents.  Of course, it must be frugally priced as it is a book on frugal living.  You will definitely want this for your library.