Debt-Free Gratefulness from the UK

A single mom recounts her journey from a debt-riddled existence to debt-free living! She'll never go back! Receiving letters like the one below really make our day.We are so proud of you Marie—keep going!

I wanted to say thank you to you both as you have quite literally changed my 
life. i know that seems to be an awfully big statement but if you bear with 
me i will tell you why. I am completely Debt Free as of yesterday (apart from 
the mortgage which will now be overpaid till its gone) i have paid off nearly 
£30,000 in the last few years, as a single mum of two, working full time and 
not having any knowledge of budgeting or saving until i found your website 
and had a lightbulb moment. There was always too much month at the end of my 
money and it didn't matter how much i earned it was never enough, so i bought 
your books, sat down and got myself an education. I also sat my two girls 
down and gave them the same education (wish my parents had done this years 
ago) anyway, fast forward and i use the envelope system for everything, i 
have savings in the bank for the first time in my life (i am nearly 40) and 
have paid all my debt off, what a relief, i feel so light and free, my money 
is for me and my girls not some faceless company, my girls sit with me every 
month and we do the budget, i find this is such a godsend as they can see 
where the money goes and just because i earn X amount it does not mean i can 
afford whatever they want that month, there are outgoings to consider as 
well, and it saves so many arguments and stresses, we shop together, getting 
bargains and trying to beat each other with savings, its great fun and i know 
i am teaching them real lessons for when they are older,

Anyway, i wanted to say thank you, as even though i am 'across the pond' and 
alot of the advice is not relevant for me there is still alot of information 
i can and do use, and i wanted to say thank you, as i feel you have quite 
literally saved the roof over my head and showed me the way and i will be 
eternally grateful.

Wish you all the best.

Marie

If you want to learn more about our budgeting system, pick up a copy of our first book, America's Cheapest Family Gets You Right On the Money. We describe how to set up a customized budget that will fit your lifestyle—people who have read this chapter tell us that us that the description of our system is super easy to understand and implement.

If you don't like the idea of a cash envelope system, or our paper account system, check out Mvelopes.com. Their computer based system is set up exactly like our system where you save money in advance of expected expenses. You can try it for two weeks at no charge here.