RE: Book Review: "The Smart Money Woman" ~ by Arese Ugwu

It wasn't easy.
There were some financial hiccups along the way.
Having an Emergency fund is key to minimizing consumer debt.

I lived frugally but not at the point of denying the needs of my two boys. Most of my clothes are Second hand or Thrifted. I lived near transportation hubs to reduced my travel times rather than own a car, having a car is very expensive. Packed my own meals.
I now have a car BUT that was well after my home mortgage is paid off.