Imagine paying a $20,000 debt in 5 years with only a $22,000 annual income. Apparently this is what Tawra Kellam did after seeing her mother raise two children as a single parent on less than $500 per month.

These two frugal champions have now published a book "Dining on a Dime Cook Book" and operate a highly regarded website www.livingonadime.com.

In this article, "Think thrifty: save yourself from spending" the writer explains some of their great tips on saving. Wise advice such as reducing the amount of drinks the families buy to cleaning up the kitchen in the morning which prevents your psyche from wimping out and ordering take-away at dinner. They're not coupon pushers and actually advise that these methods don't actually save your family money.

They recommend implementing one change at a time and being successful with that change before introducing another. These great tips could help your family back on the road to financial recovery.