Are you sick of not having enough money ? 

I went from being a flat broke single mom to putting two kids through college debt-free in just a couple of years. I'm living proof that you can completely change your life if you change the way you handle money.


Are you trying to get your finances on track? Are you sick of being broke? Want to stop living paycheck to paycheck?


Big goals and a small budget don't have to be mutually exclusive? New home? Early retirement? Travel? SAHM?


Are you in debt? Are you only making the minimum payments? Are your cards maxed out? Are final notices piling up?

Daisy Luther


About Me...

I'm a single mom of two girls. If you think no one can understand your financial problems, I promise you, I can. Before I turned my finances around, I lost my house, my car, and my business. I was bankrupt, broke, and unemployed. But I managed to turn it all around and put both of my girls through college, debt free. Now that I'm out of debt and have learned the freedom of frugality, I'm saving up for big goals. I want to share with you the ideas that got me to this point! Are you ready to change your life, even if you don't win the lottery?


I’ve never really thought about how much the little things that you buy everyday can add up to a large amount of money that you could be saving. I think my “ah ha” moment is living frugally doesn’t necessarily mean living an austere life void of fun, entertainment, eating out, etc. I can live in a frugal manner and still enjoy life but just enjoy it a little differently.

I absolutely recommend the Cheapskate’s Guide to others. It’s down to earth, humorous, written by someone who has the same financial struggles as the rest of us (not some wealthy author who has never had to worry about getting sick with no medical insurance or paying utility bills etc), and has realistic information that we can use in our everyday lives.



I bought Cheapskates Guide to the Galaxy because of recent lifestyle changes. My husband and I officially retired, and although we live carefully, we have become a little lazy. This publication grounds me and reminds me of skills I carefully groomed as a young mother. 

... After we became "empty nesters" we gradually fell victim to convenience. Reading this Guide regularly, is a reality check about how quickly life can change. Wouldn't it be better to get back to our frugal life?

Cheapskates Guide is read by me "hot off the press." Every. Single. Page. This publication is not for the uncommitted. If you are serious about managing meager (or not so meager) resources, this Guide is worth the very reasonable cost of subscribing. 


Copyright 2018 by Daisy Luther