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14 Frugal tips while paying off debt
Embracing frugality isn’t about deprivation—it’s about aligning your spending with your values and finding joy in simplicity.
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How to Reverse Budget
The Reverse Budget or pay yourself first budgeting method is exactly that “paying yourself” first before any…

Sharon
Hi, my name is Sharon. I am so glad you found my page, Smart Cents with Shaye.
My journey with personal finance began when my husband and I committed to becoming consumer debt-free. After experiencing the freedom and empowerment that comes with taking control of our finances, I felt inspired to share what I’ve learned along the way.