learn to reduce your financial footprint

How to Budget on A Low Income: Creating a Spending Plan

Have you ever felt like you will never be able to accomplish your goals on your current salary? Do you feel like no matter what you will forever live a life of living paycheck to paycheck? Regardless of your income you can learn how to budget on a low income and create a spending plan that works for you. A… Read More

The Less You Spend the Less You Have to Earn

Years ago I decided that I would get a lesser paying job than the one I was working. I never liked the job to begin with. I wanted to have a stress free life. However, since I had a child who would be entering college I wanted to earn as much as I could to help her out as much… Read More

My name is Takiia L. Anderson also known as The Frugal Biddy. I am a licensed attorney who was able to pay off six figures in student loan, credit card debt and car loan debt in less than nine years. I did this all the while being a single parent! I graduated from law school in 1999 with approximately $111,000 in student loan debt, an almost two-year old daughter and my entry level salary was $34,102. I made a lot of sacrifices in order to ensure that I stayed laser focused on paying off my debt and saving the maximum I could towards my retirement. Not only did I clear out six figures of debt but I was also able to save so far $500,000 in my retirement and $15,000 of an emergency fund. Additionally, I saved three years worth of college tuition for my daughter. I never had anyone sit down and instruct me on how I should deal with debt or how I should save money. I learned it all on my own. And while I am not perfect and I have made mistakes I believe that anyone who follows me will gain a wealth of knowledge. My desire is to be an accountability partner for anyone who reads my blog. I truly believe that YOU can live a debt free life and can amass savings. It may take some time but it can be done. You can also follow The Frugal Biddy on Facebook, Pinterest , and Instagram. You can also follow me on Linked In as Takiia L. Anderson, Esq. Wishing you a Fabulous, Frugal and Fun Life!