One of the biggest rewards from maintaining this financial blog is when readers write to me to share their own success stories, and recently I received a story so touching that I couldn’t not share it. After all, there’s no greater joy than the knowledge that yet another person has managed to overcome their cashflow issues and is on their way to financial freedom. This reader agreed to let me share her story here, and went another step further to detail the tips she adopted to go from debt-ridden to debt free and happy.

If we could do it, so can you!


Dear Dawn,

I chanced on your famous “How I Saved $20,000 in a Year” post in 2015. At that time, I just had a second baby and we were cash-strapped due to pregnancy complications and a C-section. The only infant-care that would take my baby …