For over 20 years, Not Just Beans author 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 participates in group discussions on several simple living and frugal bulletin boards and advises people regularly how to save money on her website Living On A Dime. Tawra, her husband and 3 kids live in Wichita, Kansas. In 5 years, they paid off $20,000 personal debt on an average income of $22,000 per year.
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