
Frustrated With Your Finances?
Hi, I’m Kristin and I used the feel the exact same way…
I can help.
My husband and I paid off $54,500 of debt in under 20 months and I learned a thing or two along the way.
I can teach you how to save money, get out of debt and love your life on a budget. It’s possible, I promise.
If you want practical advice, actionable tips, and encouragement to improve your finances, stick around…you’re in the right place.
I’m so happy you’re here!
HOW CAN I HELP YOU?

STRUGGLING TO SAVE MONEY?
GET YOUR FREE GUIDE…
Click the button below to download your 101 Frugal Living Tips free guide and start saving money today!
RECENT ARTICLES
- His Sister Has Been Executor for Three Years, the House Has Yet To Be Appraised or Listed, and He’s Losing His Home in a Divorce and Cannot Afford to Replace It Without His Share of the EstateThree years ago, his mother passed away after a long and healthy life. She did not die suddenly, and everyone had time to prepare. His sister was named executor of the will, and she informed the other siblings that the house would be sold and the proceeds divided equally. He has never personally seen the…
- A Collection Agency Has Been Calling Him Nonstop About His Estranged Mother’s Debt, Describing It as an Urgent Legal Matter, and Won’t Stop Calling Even After He Asked to Be Removed From the ListThe calls started without warning, and the framing of each one was designed to create urgency. ARM & Associates has been contacting him repeatedly about his estranged mother’s outstanding debt, describing every call as either an urgent change to your account or an urgent legal matter. He does not share a last name with his…
- His Mother Wants to Hand a $75,000 Property to a Tenant Who Cannot Pay for Repairs, Has Only a Handshake Agreement for Repayment, and He Cannot Intervene Without Risking a Claim That He Violated Her TrustHis mother is in her late 70s and wants to pay off the mortgage on one of her rental properties, then hand the deed to her tenant, who has no income and no realistic ability to cover the ongoing maintenance costs or major repairs the property already needs. There is no written agreement between them,…
- His Landlord Replaced Every Lock in the Building With Smart Locks (That Nobody Asked For) and Is Now Charging Tenants to Access Their Own Apartments and Laundry Room, and Front DoorHe rents an apartment in Ohio, and a few weeks ago his building replaced every standard deadbolt with a smart lock system. He was not consulted about the upgrade, no tenant asked for it, and his old key worked fine. The change came with a notice that after the first 30 days, a $9.99 monthly…
- He Was Billed for a Surgery He Didn’t Have, Disputed It, and Found Out Another Patient With the Same Name Had the Procedure and the Office Mixed Up the AccountsHe woke up to a message saying he owed money for a surgical procedure he never had, performed at a facility in his city on a day he was sitting at his desk at work. The bill was real. The patient was not him. When he called the provider using the number listed on their…
- She Thought She Had Cleaned Up Her Identity Theft Until a Landlord Rejected Her Application Over a Court Judgment From a Lease She Never Signed and a Trial She Never Knew AboutHer identity was stolen in 2022, and she thought she had cleaned it up. She filed a police report, enrolled in Aura, worked through every fraudulent account she could find, and watched her credit recover over the following year. By the time things settled down, it felt like the worst of it was behind her….