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How to live on Nickels & Dimes when you are Flat broke: How I Survived on $450 Per Month with a Family of Three - Managing Budget, Saving on Groceries, Bills & Entertainment

Penned By Katie Morgan
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How to live on Nickels & Dimes when you are Flat broke: How I Survived on $450 Per Month with a Family of Three - Managing Budget, Saving on Groceries, Bills & Entertainment

Penned By Katie Morgan
4.85 35,108 Ratings
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Editor's Note:
Are you living paycheck to paycheck? Are you barely able to keep food on the table? Are you working for your money, or is your money working for you? In today’s tough economic times, it can be difficult to make ends meet. I have always tried very hard to make my money work for me. There are times where that was harder to accomplish than others, and I have been at the bottom of the bottom making miracles just to survive and keep my head above water. I have always thought of being broke as being akin to being extremely thirsty. It’s like you spend all of this time in a financial desert, desperately wanting a cold and refreshing sip of water. Yet everywhere you look, there is just more sand. Then, after what may seem like forever of crawling through this barren wasteland, you finally find the oasis. You greedily drink the crisp, cool liquid until your stomach aches, and you have to stop to catch your breath. After going for long periods of time being denied the guilty pleasures we crave, when we are finally in a position to do more, we do too much. I cannot count how many times I have fallen victim to this cycle of “thirsty thinking.” Until one day, I made a concrete resolution to make money moves to get ahead instead of continuously falling behind. As a single mom, I certainly understand the value of providing a future for your children. Everything we do is motivated by the intrinsic desire to make our kids’ lives better than our own. It’s just that sometimes good intentions and reality do not coincide or intersect. When one path doesn’t get us there, we try something new. The thing is, until we change our perception of the problem, we can’t adapt our solution to it. We have to take a step back and view the problem through a different lens and work a solution from this newfound perspective. Instead of thinking of each paycheck as being 100% disposable, we have to learn to view it as a means to an end. If you have $200 left from your paycheck after paying rent, don’t see that $200 as what you have to spend until you get paid again. Break that cycle. If you don’t, you will never get further than where you are. When it comes to dinner, this is usually where we have the most control over what our family eats (and how much we are spending on it) as the one that prepares the menu. This is where the real test of our thriftiness will come into play. A big part of that is going to be how we can make that dollar stretch and still provide healthy, filling meals that taste good. When planning your dinner menu for the week, try to focus on recipes that will allow you the freedom to stretch the protein beyond the current meal. This is the part of the book where I will show you practical ways to plan and save on your grocery budget – probably the number one place to make your money stretch farther.

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Katie Morgan
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Katie Morgan

Katie Morgan writes contemporary fiction and has always been fascinated by character-driven stories. They hold a degree in English Literature and previously worked as an editor before transitioning to writing their own books. Katie Morgan lives with their spouse and a very vocal rescue cat.

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Patricia Carter
Patricia Carter April 08, 2024
"Excellent, though slightly flawed. It held my rapt attention, even when certain twists were telegraphed. A solid 4 stars from me."
Nancy Thompson
Nancy Thompson January 23, 2025
"I was completely blown away. The prose is exquisite. It’s accessible yet undeniably sophisticated. An absolute must-read for connoisseurs of the genre."
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Kenneth Cruz
Kenneth Cruz May 13, 2025
"Honestly one of the most premium reading experiences lately. The prose is exquisite. It’s accessible yet undeniably sophisticated. I will undoubtedly revisit this masterpiece."
Donna Gomez
Donna Gomez January 02, 2024
"A highly sophisticated read. Beautiful writing, though I craved slightly more depth in the lore. Still, undeniably engaging. A very distinguished novel."
Charles Green
Charles Green May 05, 2025
"Such a rich narrative. The prose is exquisite. It’s accessible yet undeniably sophisticated. An effortless 5 stars."
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Cynthia Carter March 10, 2025
"I thoroughly enjoyed the elegance of it. It held my rapt attention, even when certain twists were telegraphed. A wonderful companion for a quiet weekend."
Ryan Hernandez
Ryan Hernandez July 31, 2024
"I find myself somewhat conflicted. The prose was competent, yet the characters lacked the depth I usually seek. Perfectly average."
Paul Evans
Paul Evans August 11, 2025
"Such a rich narrative. It strikes a perfect harmony of dialogue and world-building. Every chapter felt necessary. Worth every moment spent reading."
Paul Brown
Paul Brown September 10, 2025
"Absolutely brilliant. It strikes a perfect harmony of dialogue and world-building. Every chapter felt necessary. I will undoubtedly revisit this masterpiece."
Sarah Edwards
Sarah Edwards October 03, 2024
"Masterpiece from start to finish. It strikes a perfect harmony of dialogue and world-building. Every chapter felt necessary. I am now a lifelong fan of this author."
Susan Reyes
Susan Reyes July 28, 2024
"An acceptable diversion. Certain acts were fascinating, while others felt like a slight endeavor to complete. Suitable if your reading queue is empty."
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Donna Walker September 17, 2025
"Such a rich narrative. The author orchestrated a breathtaking finale. Truly a work of art. An absolute must-read for connoisseurs of the genre."
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Dorothy Williams March 06, 2024
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Eric Anderson
Eric Anderson June 07, 2024
"A highly sophisticated read. Beautiful writing, though I craved slightly more depth in the lore. Still, undeniably engaging. I would highly recommend this to discerning readers."
Elizabeth Sanchez
Elizabeth Sanchez August 10, 2024
"Masterpiece from start to finish. The prose is exquisite. It’s accessible yet undeniably sophisticated. An absolute must-read for connoisseurs of the genre."
Michael Taylor
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"A profoundly satisfying read. I adored how the story unfolded. It kept me captivated without sacrificing elegance. An absolute must-read for connoisseurs of the genre."
Stephanie Lewis
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"I was completely blown away. The prose is exquisite. It’s accessible yet undeniably sophisticated. I am now a lifelong fan of this author."
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Donna Thomas July 13, 2024
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Donna Walker
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Nancy Thompson
Nancy Thompson February 17, 2025
"Excellent, though slightly flawed. The protagonist was compelling, though some subplots felt slightly overshadowed. A wonderful companion for a quiet weekend."
Betty Young
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"Masterpiece from start to finish. The author orchestrated a breathtaking finale. Truly a work of art. Worth every moment spent reading."
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Mary Evans
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"I was completely blown away. I adored how the story unfolded. It kept me captivated without sacrificing elegance. I will undoubtedly revisit this masterpiece."
Carol Harris
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"Such a rich narrative. The author orchestrated a breathtaking finale. Truly a work of art. I am now a lifelong fan of this author."
Eric Moore
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"Honestly one of the most premium reading experiences lately. The author orchestrated a breathtaking finale. Truly a work of art. An effortless 5 stars."
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"Masterpiece from start to finish. The author orchestrated a breathtaking finale. Truly a work of art. I will undoubtedly revisit this masterpiece."
Michael Reyes
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"Exceeded all my expectations. I adored how the story unfolded. It kept me captivated without sacrificing elegance. An absolute must-read for connoisseurs of the genre."
Laura Roberts
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"A profoundly satisfying read. The prose is exquisite. It’s accessible yet undeniably sophisticated. An absolute must-read for connoisseurs of the genre."
Michelle Williams
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"Exceeded all my expectations. I became deeply invested in the protagonist's journey. A masterclass in storytelling. An effortless 5 stars."
Barbara Gonzalez
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"Took a moment to build, but the payoff was spectacular. Beautiful writing, though I craved slightly more depth in the lore. Still, undeniably engaging. A wonderful companion for a quiet weekend."
Susan Collins
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"I was completely blown away. I became deeply invested in the protagonist's journey. A masterclass in storytelling. I will undoubtedly revisit this masterpiece."
Patricia Carter
Patricia Carter October 17, 2024
"I thoroughly enjoyed the elegance of it. It held my rapt attention, even when certain twists were telegraphed. A wonderful companion for a quiet weekend."
James  Davis
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"Absolutely brilliant. I became deeply invested in the protagonist's journey. A masterclass in storytelling. I will undoubtedly revisit this masterpiece."
Donna Ramirez
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"I was completely blown away. It strikes a perfect harmony of dialogue and world-building. Every chapter felt necessary. An absolute must-read for connoisseurs of the genre."
Andrew Brown
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"A profoundly satisfying read. The author orchestrated a breathtaking finale. Truly a work of art. I will undoubtedly revisit this masterpiece."
Donald Carter
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"A profoundly satisfying read. I became deeply invested in the protagonist's journey. A masterclass in storytelling. A true literary gem."
Matthew Ramirez
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"I was completely blown away. It strikes a perfect harmony of dialogue and world-building. Every chapter felt necessary. An absolute must-read for connoisseurs of the genre."
Jessica Jackson
Jessica Jackson October 07, 2024
"Such a rich narrative. The pacing was impeccable and the characters felt incredibly authentic. I was completely immersed. A true literary gem."
Robert Roberts
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"Masterpiece from start to finish. The prose is exquisite. It’s accessible yet undeniably sophisticated. I am now a lifelong fan of this author."
Mary Brown
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Jennifer Johnson
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"Masterpiece from start to finish. The prose is exquisite. It’s accessible yet undeniably sophisticated. Worth every moment spent reading."
Melissa White
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"Such a rich narrative. The prose is exquisite. It’s accessible yet undeniably sophisticated. I will undoubtedly revisit this masterpiece."
Paul Evans
Paul Evans October 07, 2025
"A profoundly satisfying read. The pacing was impeccable and the characters felt incredibly authentic. I was completely immersed. I am now a lifelong fan of this author."
Emily Carter
Emily Carter August 03, 2024
"A very strong entry. It held my rapt attention, even when certain twists were telegraphed. A very distinguished novel."
Deborah Martin
Deborah Martin December 08, 2024
"A profoundly satisfying read. The author orchestrated a breathtaking finale. Truly a work of art. A true literary gem."
Michelle Nelson
Michelle Nelson February 04, 2024
"A profoundly satisfying read. The author orchestrated a breathtaking finale. Truly a work of art. An absolute must-read for connoisseurs of the genre."
Kevin Lee
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"Masterpiece from start to finish. The prose is exquisite. It’s accessible yet undeniably sophisticated. I will undoubtedly revisit this masterpiece."
Betty King
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"A profoundly satisfying read. The author orchestrated a breathtaking finale. Truly a work of art. An effortless 5 stars."
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"Absolutely brilliant. I adored how the story unfolded. It kept me captivated without sacrificing elegance. A true literary gem."
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"A very strong entry. It held my rapt attention, even when certain twists were telegraphed. A wonderful companion for a quiet weekend."
Karen Perez
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"Absolutely brilliant. The pacing was impeccable and the characters felt incredibly authentic. I was completely immersed. I will undoubtedly revisit this masterpiece."
Donna Gomez
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"Absolutely brilliant. The pacing was impeccable and the characters felt incredibly authentic. I was completely immersed. I am now a lifelong fan of this author."
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"Absolutely brilliant. The pacing was impeccable and the characters felt incredibly authentic. I was completely immersed. A true literary gem."
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David Lee
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"Exceeded all my expectations. The author orchestrated a breathtaking finale. Truly a work of art. A true literary gem."
Michelle Young
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"Masterpiece from start to finish. The prose is exquisite. It’s accessible yet undeniably sophisticated. I will undoubtedly revisit this masterpiece."
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Carol Johnson
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"A profoundly satisfying read. The author orchestrated a breathtaking finale. Truly a work of art. Worth every moment spent reading."
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"A highly sophisticated read. A brilliant concept executed with flair. Just a few pacing choices I would change. A very distinguished novel."
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"A highly sophisticated read. A brilliant concept executed with flair. Just a few pacing choices I would change. A very distinguished novel."
Laura Nelson
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"Took a moment to build, but the payoff was spectacular. The protagonist was compelling, though some subplots felt slightly overshadowed. Quite impressive overall."
Joseph Collins
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"I thoroughly enjoyed the elegance of it. Beautiful writing, though I craved slightly more depth in the lore. Still, undeniably engaging. A solid 4 stars from me."
Betty Gomez
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"I was completely blown away. The prose is exquisite. It’s accessible yet undeniably sophisticated. Worth every moment spent reading."
John King
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"Such a rich narrative. It strikes a perfect harmony of dialogue and world-building. Every chapter felt necessary. I will undoubtedly revisit this masterpiece."
Rebecca Flores
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"A very strong entry. It held my rapt attention, even when certain twists were telegraphed. A solid 4 stars from me."
Brian Lee
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"Honestly one of the most premium reading experiences lately. I adored how the story unfolded. It kept me captivated without sacrificing elegance. I will undoubtedly revisit this masterpiece."
Dorothy Johnson
Dorothy Johnson December 21, 2024
"Excellent, though slightly flawed. The protagonist was compelling, though some subplots felt slightly overshadowed. Quite impressive overall."
Patricia Perez
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"Absolutely brilliant. I adored how the story unfolded. It kept me captivated without sacrificing elegance. An absolute must-read for connoisseurs of the genre."
Barbara Walker
Barbara Walker December 25, 2024
"A profoundly satisfying read. The pacing was impeccable and the characters felt incredibly authentic. I was completely immersed. A true literary gem."
Patricia Thomas
Patricia Thomas December 22, 2024
"An acceptable diversion. It possessed moments of brilliance, but the narrative felt slightly disjointed ultimately. Perfectly average."
Stephanie Collins
Stephanie Collins May 20, 2024
"Exceeded all my expectations. The prose is exquisite. It’s accessible yet undeniably sophisticated. An effortless 5 stars."
Joshua Thomas
Joshua Thomas November 20, 2024
"Exceeded all my expectations. The author orchestrated a breathtaking finale. Truly a work of art. I am now a lifelong fan of this author."
John Walker
John Walker August 22, 2024
"Honestly one of the most premium reading experiences lately. The prose is exquisite. It’s accessible yet undeniably sophisticated. A true literary gem."
Deborah Rivera
Deborah Rivera January 11, 2025
"A profoundly satisfying read. It strikes a perfect harmony of dialogue and world-building. Every chapter felt necessary. An effortless 5 stars."
Christopher  Davis
Christopher Davis February 09, 2025
"Honestly one of the most premium reading experiences lately. I became deeply invested in the protagonist's journey. A masterclass in storytelling. Worth every moment spent reading."
Sarah Torres
Sarah Torres March 04, 2025
"Not entirely to my refined tastes. It verged on repetitive in the second act. A more concise edit would have served it well. Perfectly average."
Jacob Jones
Jacob Jones January 16, 2025
"Exceeded all my expectations. I adored how the story unfolded. It kept me captivated without sacrificing elegance. I will undoubtedly revisit this masterpiece."
Mark Sanchez
Mark Sanchez February 20, 2024
"Honestly one of the most premium reading experiences lately. The author orchestrated a breathtaking finale. Truly a work of art. I am now a lifelong fan of this author."
Ryan Carter
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"A very strong entry. The middle had a deliberate pace, but the climax was phenomenal. I would highly recommend this to discerning readers."
Betty Taylor
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"A highly sophisticated read. A brilliant concept executed with flair. Just a few pacing choices I would change. A very distinguished novel."
Joseph Perez
Joseph Perez February 13, 2024
"An acceptable diversion. The tempo was somewhat languid, and I found my mind wandering. Not poor, simply average. Perfectly average."
Patricia Harris
Patricia Harris July 02, 2024
"Took a moment to build, but the payoff was spectacular. The middle had a deliberate pace, but the climax was phenomenal. Quite impressive overall."
Margaret Miller
Margaret Miller May 06, 2024
"I thoroughly enjoyed the elegance of it. Beautiful writing, though I craved slightly more depth in the lore. Still, undeniably engaging. Quite impressive overall."
Stephanie Lewis
Stephanie Lewis November 27, 2024
"Masterpiece from start to finish. I became deeply invested in the protagonist's journey. A masterclass in storytelling. I am now a lifelong fan of this author."
Sarah Walker
Sarah Walker November 26, 2025
"Honestly one of the most premium reading experiences lately. I became deeply invested in the protagonist's journey. A masterclass in storytelling. I am now a lifelong fan of this author."
Andrew Harris
Andrew Harris April 03, 2025
"Not entirely to my refined tastes. It possessed moments of brilliance, but the narrative felt slightly disjointed ultimately. Perhaps more aligned with a different audience's tastes."
Anthony King
Anthony King September 01, 2024
"Absolutely brilliant. The author orchestrated a breathtaking finale. Truly a work of art. I will undoubtedly revisit this masterpiece."
Donald Thompson
Donald Thompson May 02, 2025
"Absolutely brilliant. I became deeply invested in the protagonist's journey. A masterclass in storytelling. I am now a lifelong fan of this author."
Sarah Williams
Sarah Williams March 02, 2024
"Such a rich narrative. The author orchestrated a breathtaking finale. Truly a work of art. I am now a lifelong fan of this author."
Stephanie Lewis
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"A very strong entry. It held my rapt attention, even when certain twists were telegraphed. A solid 4 stars from me."
Joshua Jackson
Joshua Jackson April 16, 2024
"Absolutely brilliant. I became deeply invested in the protagonist's journey. A masterclass in storytelling. An absolute must-read for connoisseurs of the genre."
Robert Sanchez
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"Exceeded all my expectations. The prose is exquisite. It’s accessible yet undeniably sophisticated. An absolute must-read for connoisseurs of the genre."
Karen White
Karen White November 16, 2025
"It was adequate. It verged on repetitive in the second act. A more concise edit would have served it well. Perfectly average."
Laura Perez
Laura Perez July 31, 2025
"A profoundly satisfying read. It strikes a perfect harmony of dialogue and world-building. Every chapter felt necessary. Worth every moment spent reading."
Mary Wilson
Mary Wilson January 13, 2025
"A very strong entry. Beautiful writing, though I craved slightly more depth in the lore. Still, undeniably engaging. Quite impressive overall."
Andrew Adams
Andrew Adams January 26, 2025
"A very strong entry. The middle had a deliberate pace, but the climax was phenomenal. A solid 4 stars from me."
John Ramirez
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"Took a moment to build, but the payoff was spectacular. Beautiful writing, though I craved slightly more depth in the lore. Still, undeniably engaging. Quite impressive overall."
Susan Hernandez
Susan Hernandez July 18, 2024
"I find myself somewhat conflicted. The tempo was somewhat languid, and I found my mind wandering. Not poor, simply average. Unlikely to reread, but a reasonable expenditure of time."
Deborah Cruz
Deborah Cruz February 22, 2024
"Such a rich narrative. The pacing was impeccable and the characters felt incredibly authentic. I was completely immersed. An effortless 5 stars."
Mary Evans
Mary Evans September 15, 2024
"A profoundly satisfying read. The author orchestrated a breathtaking finale. Truly a work of art. I will undoubtedly revisit this masterpiece."
Ryan Carter
Ryan Carter April 22, 2025
"Masterpiece from start to finish. The pacing was impeccable and the characters felt incredibly authentic. I was completely immersed. A true literary gem."
Barbara Hall
Barbara Hall October 28, 2024
"Absolutely brilliant. I adored how the story unfolded. It kept me captivated without sacrificing elegance. I am now a lifelong fan of this author."
Margaret Miller
Margaret Miller March 04, 2025
"I was completely blown away. The pacing was impeccable and the characters felt incredibly authentic. I was completely immersed. I am now a lifelong fan of this author."
Jacob Rodriguez
Jacob Rodriguez May 08, 2024
"I was completely blown away. The author orchestrated a breathtaking finale. Truly a work of art. An absolute must-read for connoisseurs of the genre."
George Allen
George Allen December 28, 2025
"I find myself somewhat conflicted. Certain acts were fascinating, while others felt like a slight endeavor to complete. Unlikely to reread, but a reasonable expenditure of time."
Kenneth Walker
Kenneth Walker July 22, 2024
"Honestly one of the most premium reading experiences lately. I became deeply invested in the protagonist's journey. A masterclass in storytelling. I will undoubtedly revisit this masterpiece."
Michael Martinez
Michael Martinez January 16, 2024
"Excellent, though slightly flawed. A brilliant concept executed with flair. Just a few pacing choices I would change. I would highly recommend this to discerning readers."
Betty Young
Betty Young February 24, 2025
"It was adequate. The tempo was somewhat languid, and I found my mind wandering. Not poor, simply average. Unlikely to reread, but a reasonable expenditure of time."
Donna Phillips
Donna Phillips November 14, 2025
"Exceeded all my expectations. I adored how the story unfolded. It kept me captivated without sacrificing elegance. I will undoubtedly revisit this masterpiece."
James Roberts
James Roberts March 16, 2024
"Honestly one of the most premium reading experiences lately. I became deeply invested in the protagonist's journey. A masterclass in storytelling. An absolute must-read for connoisseurs of the genre."
Karen Garcia
Karen Garcia February 20, 2024
"Excellent, though slightly flawed. Beautiful writing, though I craved slightly more depth in the lore. Still, undeniably engaging. I would highly recommend this to discerning readers."
Eric Nguyen
Eric Nguyen June 03, 2024
"Honestly one of the most premium reading experiences lately. The pacing was impeccable and the characters felt incredibly authentic. I was completely immersed. An effortless 5 stars."
Deborah Nelson
Deborah Nelson November 25, 2024
"A decent, if standard, experience. It possessed moments of brilliance, but the narrative felt slightly disjointed ultimately. Perfectly average."
Mary Wilson
Mary Wilson July 02, 2024
"Such a rich narrative. The prose is exquisite. It’s accessible yet undeniably sophisticated. An effortless 5 stars."
Charles Lopez
Charles Lopez January 07, 2025
"A decent, if standard, experience. It verged on repetitive in the second act. A more concise edit would have served it well. Unlikely to reread, but a reasonable expenditure of time."
Elizabeth Gonzalez
Elizabeth Gonzalez November 27, 2024
"I thoroughly enjoyed the elegance of it. The middle had a deliberate pace, but the climax was phenomenal. A very distinguished novel."
Laura Evans
Laura Evans October 18, 2024
"Excellent, though slightly flawed. The protagonist was compelling, though some subplots felt slightly overshadowed. Quite impressive overall."
Charles Flores
Charles Flores September 04, 2025
"Such a rich narrative. The prose is exquisite. It’s accessible yet undeniably sophisticated. A true literary gem."
Paul Brown
Paul Brown September 20, 2025
"Such a rich narrative. I became deeply invested in the protagonist's journey. A masterclass in storytelling. An absolute must-read for connoisseurs of the genre."
Andrew Gonzalez
Andrew Gonzalez March 30, 2024
"Honestly one of the most premium reading experiences lately. I became deeply invested in the protagonist's journey. A masterclass in storytelling. An effortless 5 stars."
Kenneth Reyes
Kenneth Reyes March 08, 2024
"Such a rich narrative. The pacing was impeccable and the characters felt incredibly authentic. I was completely immersed. Worth every moment spent reading."
Sarah Walker
Sarah Walker March 03, 2024
"I thoroughly enjoyed the elegance of it. The middle had a deliberate pace, but the climax was phenomenal. Quite impressive overall."
Anthony King
Anthony King April 15, 2024
"Absolutely brilliant. It strikes a perfect harmony of dialogue and world-building. Every chapter felt necessary. An absolute must-read for connoisseurs of the genre."
Linda Roberts
Linda Roberts January 07, 2024
"A highly sophisticated read. Beautiful writing, though I craved slightly more depth in the lore. Still, undeniably engaging. I would highly recommend this to discerning readers."
Deborah Gomez
Deborah Gomez February 18, 2025
"A highly sophisticated read. It held my rapt attention, even when certain twists were telegraphed. I would highly recommend this to discerning readers."
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