Tawra Kellam and Jill Cooper are a mother daughter team who learned to live in difficult financial circumstances at a time in life when money was always in short supply. Living in a situation where they had to choose between one necessity and another really helped them gain a new perspective about the value of things. It also helped them make distinctions between needs and desires.

Their goal is to educate people about better ways to handle money in the hope that the people they touch can live more fulfilled and less stressful lives. Their story is not just for people who live on very small incomes. Instead, they hope that sharing their story of money scarcity and how they dealt with it will help people more wisely manage their resources and become financially strong.

For over 20 years, Tawra Kellam has lived the frugal lifestyle. Her mother's determination to persevere through extraordinarily difficult financial circumstances is the basis of Tawra's frugal thinking. Tawra is known on the Internet for her expertise in frugal living. She publishes the frugal living web site, www.LivingOnADime.com, participates in group discussions on simple living and frugal bulletin boards and advises people daily how to make wiser financial decisions, save money and get out of debt.

Tawra, her husband and 3 children live in Wichita, Kansas. In five years, they paid off $20,000 personal debt on an average income of $22,000 per year. Tawra is a housewife who likes to say that she has a "masters" in domestic engineering with an emphasis in economics and pediatrics. Click here to read about how Tawra started in the cookbook business.

As a single mother of two, Jill Cooper started her own business without any capital and paid off $35,000 debt in 5 years on $1,000 a month income. She then raised two teenagers alone on $500 a month income after becoming disabled with Chronic Fatigue Syndrome.

Thousands of readers have enjoyed Tawra and Jill's frugal living articles in internet newsletters and websites including DrLaura.com, The Dollar Stretcher, AOL Smart Money, MSN Money and Woman's Day online. Their articles and bits of wisdom on paying off debt and frugal cooking have been featured in newspapers across the country. Tawra and Jill have been featured in hundreds of magazines and newspapers across the United States including Woman's Day, Family Circle and Woman's World and the Money Matters Newsletter. Tawra has been interviewed on over 200 radio shows in the US and Australia including Crown Ministries' Money Matters and ABC news (Australian Broadcasting Corporation). To schedule an interview contact: Tawra Kellam Living On A Dime P.O. Box 844 Andover, KS 67002 To obtain a Media Kit for Dining On A Dime, please contact us here.