Are you constantly struggling to make ends meet?

Does your self-worth go up and down like a yoyo with your bank balance?

Do you feel deprived most of the time?

Do you feel out of control because you have no system to deal with your finances?

The Make Peace with Your Money Program has the answers you have been seeking.

You will learn why you are at war with money and how to stop it and get on track for a happy and rich life—no matter what your current situation.

If you have these painful problems with money you are not alone. In our world today money has become so important that many of us confuse having money with having a good life. If we fall short it eats away at our self-worth and our happiness—even the happiness that is attainable without money.

People have been looking for the answer to what makes a good life for as long as we have walked this earth. And, for just as long, we have tried to work out what the best allocation of scarce resources.

Over and over, the wisest answer to what makes a good life has been: Happiness. The question of how to allocate scarce resources has never been answered, leaving each new society to figure it out the best they can.

And that explains why our society has mixed up money and happiness.

The two things do have a relationship, but it’s not what most people think it is. And so we go about it backwards, picking a dollar figure we THINK will make us happy, and then chasing it without regard for anything else.

If you ask most people who aren’t “rich” what amount would fix there life and make them happy—they pick something over a million dollars. Or they mention a six figure income.

Which shows one area of confusion about wealth. They difference between a large income and high assets.

There is an old argument about money and happiness. We have heard that the best things in life are free, and also that money can buy happiness. But that is obviously not true in our system. I prefer to say that money can’t buy happiness, but real poverty creates misery, which is not quite the same thing.

There has actually been a study done regarding the relationship between income and happiness in America. The study measured the exact figure where more money stopped increasing our happiness. The number was $75,000 a year in place with an average cost of living. In the Hawaii it goes up to $122,000. In Mississippi it went down to $68,500. I would add that this is true IF you have your basic assets in place—a pleasant home, transportation, and good medical care, etc.

But, what if you don’t have even that? This is where frugality comes in. I am going to ask you to figure out what makes you happy and then find ways to get as much of that as possible without using money, or at least without over spending.

And frugality has another benefit. It will help you get to the magic number a lot faster, and allow you to sleep better on your way.

In this course we will look at what makes YOU want to jump out of bed in the morning, and how to get those things without breaking the bank.

We will also talk about what money can’t buy, and how to use those things to create the good life for your self. And we will look at all the ways you can make what you do have work better for you.

Here are some of the things included in the program:

What is the relationship of money to self-worth

Different Money styles—what’s yours?

Getting Organized to take Control of Your Money

What is frugal abundance and how can you use it to become happier and more prosperous

What are your current expenses—and your current needs

How to track your current spending and create a spending plan that works for you

What is your wish list—if money were no object

Finding other ways to get your needs and wants satisfied

The relationship between Effort, Time, and Money

What are your skills and how you can use them to get what you want

Should you do it yourself? How being self sufficient can make your life richer

Putting it all together

The class is all online and begins on
Wednesday, May 31, 2017

Class includes 6 video classes that you can watch on your own schedule, with a downloadable workbook. There will be a secret Facebook group to share with others going through the same process, and two webinars TBD.
PLUS – SIX private – 20 Minute Skype consults to discuss your challenges, your big shifts, and to keep you on track.

ONLY $99

Young woman holding a grocery bag full of bread

Cooking with the Frugal Goddess

Do you struggle to buy good food, but it’s eating a hole in your wallet?

Are you worried about the way you eat is affecting your health—or your kid’s health?

Are you on a restricted diet and find it hard to get your needs met?

Are you eating expensive unhealthy take-out all week long?

Do you just wish you could LOVE mealtime again?

Well—you can. The Frugal Goddess Cooks can solve all of these problems and more.

Here is what you will learn in this 4 week program for people just like you:

What real food is and why it is so costly
Why you waste food and how to stop
Where real food comes from—and it’s not just the supermarket
How to shop for the best food and save money at the same time
How to set-up your kitchen
What to do when you are starving—the kids are starving—it’s 6 pm and you just got home
How to be ready to cook at home even if you are crazy busy
Cookbooks—why you should use them and which are best
How to tackle your first cooking project even if you have never even boiled water
Kitchen hacks to make what you cook tastier and better
Cooking without a book
Advanced techniques for the truly committed
Putting it all together

Sandra turns in to the takeout Pizza place for the third time this week. A single mom with three kids, she tells herself this is normal. But even the kids are getting tired of pizza. And she worries about the health effects on growing bodies—not to mention the effect on her bank balance. But Sandra can barely keep up with her life as it is. Take-out and processed snacks may be expensive, but they are real time-savers. It’s too bad they are also unhealthy and boring.

Alice should not have to worry about money at all. As a successful business owner with a company employing 32 people, she has more than enough in the bank. But even so, $1500 a month to feed two people? Julie shakes her head a bit as she opens up the containers from Whole Foods—salmon with dill, quinoa salad, a chocolate torte. All organic, non-GMO, gluten-free. But the taste falls a bit flat. “Salmon, again?” her husband asks, plaintively. Alice too has traded the pure joy of well-cooked real food for convenience. And she is frustrated.

Marjorie has a different problem. Recently diagnosed with a rare mast cell activation disorder, she has been told to avoid all chemicals and additives, to eat organic, and to severely limit her food choices, especially till she knows what is setting off her reactions. This means she must now eat at home and eat her own cooking. Processed foods all have some possibility of causing an attack. But Marjorie hasn’t really cooked anything in her life and doesn’t know where to begin.

Jane is in a different sort of predicament. She is on food stamps. Her children are 5 and 7. She receives $270 a month to feed all three family members. Her boyfriend, Sammy, has a job and pitches in but his money doesn’t go far. Living a healthy life is very important to Jane and Sammy. And decent food is one of the few pleasures a poor person MIGHT be able to look forward to. Jane has time, but doesn’t know how to shop the right way to put three scrumptious and cheap meals on the table every day plus snacks.

These women are all in very different positions in life. They all seem to have different problems. But they share one common problem. They all have a problem with food. And therefore, none of them are getting the proper nutrition and wonder soul satisfying pleasure that comes when we eat real wholesome foods the way nature intended.

There are 6000 chemicals allowed in our food supply legally. This does not include GMO’s that change the genetic make-up of the foods themselves. The way the FHA decides if a new chemical is safe? They ask the company that makes it. Does anyone really believe this is safe?

Maybe not—but our food supply is infected with these chemicals from top to bottom. And—unless you can afford to eat in 3 star restaurants three meals a day—eating out is even worse. When you eat out, you have no control over how much salt or trans-fats or high fructose corn syrup you may be getting. And—as we see in the four examples above, this type of edible non-food doesn’t even really satisfy.

These non-foods do have an addictive quality. That is intentional. The same chemicals that preserve and “enhance” also can make you crave the foods they are in. I will address this more later. It is a true health threat.

My Story:

I had just about every problem on this list. I have been too busy, too poor, and have developed a chronic disease that restricts what I can eat.

I have been cooking since I was eight years old. The oldest of the second batch of siblings, I had three younger sisters. And we were neglected children. For various reasons, neither parent was able to care for the four of us. The two older girls were enough older to be basically out of the house. So, I learned to cook.

First it was Lipton’s Chicken Noodle Soup. I would add another two cups of shell macaroni or spirals and cook it till the noodles were soft. I shudder to think what was in that package of dried powder.

But soon, I discovered a cookbook by a French Chef called the Big Gold Cookbook. I didn’t know it was for advanced cooks, so I just followed the instructions and looked things up if I didn’t understand. Within a couple of years I was a very good cook. By 1974 the Joy of Cooking was my favorite book. I wore a few of them out.

You would think that this would be enough to prepare me for feeding myself and others but it wasn’t.

Instead, I was almost a split personality when it came to food. When my life was going well, I cooked at home and ate well. But when anything threw me off balance, I would choke.

It could be lack of money or time. For a number of years I was married to a very difficult man. He would follow me around the kitchen criticizing my every move. And he like to go out to the most expensive places even though he was unemployed. I stopped cooking. My balance was gone.

At another point, I was just plain depressed. It was hard to get out of bed, much less cook anything. I lived on peanut butter and jelly.

And then there was the year I started my business. I was working 60 hour weeks, my kitchen was a disaster, and I was living on raisin bran.

Something had to give, and it did. I got sick. And the only way to stay well was to organize my kitchen, my shopping, my food prep, and my cooking. But I didn’t have enough money to just load up on organic convenience food. And even if I did, those foods are also processed. They do not have the same nutritive value as real whole foods.

I began to analyze exactly why I, a very good self-taught cook, could not maintain a good working relationship with one of the basic needs in life—a healthy diet.

I looked at every aspect of it. The cost. The time. The needed skills. And that is how I built the Cooking with the Frugal Goddess Program.

Sign up today and be eating well in the new year!
Program starts on Wednesday, May 31, 2017

Class includes 4 video classes to watch at your own pace, with a downloadable workbook, and a copy of Annabel Ascher’s book, Whole Food at Half Price: Four Weeks to Healthy Eating Without Breaking the Bank, plus, membership in the Cooking with the Frugal Goddess secret Facebook Group to share your stories with other participants.
PLUS – Four private – 20 Minute Skype consults to help you get the most out of the program.

ONLY $99

The Frugal Heiress


Did you just get an inheritance—but just not enough to be “independently wealthy”?

Are you worried about losing it?

Wondering what this means for your life?

Not really up on financial information?

Feeling as much overwhelmed as overjoyed?

You are not alone. Billions of dollars are passing to a new generation every year—but most of those bequests will not make the beneficiary rich. But—even a modest inheritance can change your life if you know what to do. Which will be completely different for each one of us.
I know exactly how you feel.

In 2010 my father died after a long illness. I had lost a lot in the 2008 crash and had been living small for quite some time. But—I was basically at peace with money. The inheritance was modest and all tied up in Oil & Gas. It started to produce a decent but unpredictable income.

I began to do some research to find out what I should do. I looked through for books on the subject. I searched the internet. All I found was a few books—none recent—on dealing with the emotional affects of an inheritance. The internet was not much more help. All the advice was generic, and none of it applied to my situation.

Equally frustrating—it all seemed to be slanted to larger inheritances—not modest or small like mine. I knew that what I had received did not make me rich. I just wanted some guidance on how to handle it.

That is when I realized that I already had the answer. At the height of the crash I had started the Frugal Goddess blog for people that needed to bring joy back into their lives after losing everything. I had carefully analyzed the best ways to live well for less. I could do the same thing for people who had a windfall—just not quite enough. So, the Frugal Heiress was born.

In this program you will learn how to keep your money safe while you figure out what to do with it.

You will find out what your options are. And, best of all, the program will be tailored to you.

The best course of action depends on many variables. Your age, your financial position BEFORE the inheritance, your dreams for the future, whether you have kids, and if you do, their ages—all of these things and much more.

In the Frugal Heiress program I will take you through a series of steps meant to clarify exactly where you are now and where you would like to go. And—how to get there.

In six weeks you will build knowledge and certainty about your future. Your new life is waiting.
Join now to make your dreams come true. This is YOUR time.

Program starts on Wednesday, May 31, 2017

Class includes 6 webinar classes (weekly), with a downloadable workbook
PLUS – TWO private – 30 Minute Skype consults.

ONLY $99