My name is Tara, I'm 39, single, and I currently live in Ellicott City, Maryland. I used to work as a Linux Systems Administrator making a six-figure income. Then I lost my job. I remained unemployed for 18 months, but now I work in ...

Continue reading How I Live On Less Than $40,000 Annually: Tara from Maryland

My name is Paulie and I've been reading Len's awesome blog for almost a whole year now. I'm 27 years old. After getting my high school diploma I held a series of odd jobs before deciding three years ago that it was time to leave the rat race. So I ...

Continue reading How I Live on Less Than $40,000 Annually: Paulie from New York

My name is Amanda, and I'm an example of someone who didn't worry about financial responsibility and saving until relatively late in life -- but I'm so glad that I finally did! My current income averages $2790 per month. Even so, over the past few ...

Continue reading How I Live On Less Than $40,000 Annually: Amanda from Michigan

My name is Rebecca and I'm so excited that I discovered Len's blog! My family doesn't talk much about money and my friends all represent very different monetary situations so I've been a little over my head since I decided to take control of my ...

Continue reading How I Live on Less Than $40,000 Annually: Rebecca from Wisconsin

My name is Calin and I am a professional blogger living in Romania. Next year I'll be celebrating my 30th birthday with my beautiful wife and our newborn son. Yes, we still party, even though we live on less that $15,000 per year. (And no, I didn't ...

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My name is Fawn. I'm a 54-year-old nurse who is a single parent to four children -- a son who is grown and married, a daughter who is away at college, and two teenage boys who are still eating at home. I've always been responsible with money, but ...

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My name is Ralph and I'm a retired US Patent Examiner. I have five kids, all of them in their fifties. Since retiring, I've developed a prize Angus cattle herd. I've also bought and sold real estate that I've held title to, sold timber from time to ...

Continue reading How I Live on Less Than $40,000 Annually: Ralph from West Virginia

My name is Lynsey and I'm 25-years-old with no children. I'm from Minnesota and have a bachelor's degree in Marketing and Business Management. I am currently employed in the marketing field. I've always been pretty responsible with my money, ...

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My name is Kacy and I'm currently employed full time as a leasing agent and resident manager for a community college property in Central Iowa. I've always been financially responsible. My dad is very good with finances and he taught me to always ...

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My name is Jeff and I've been reading Len's blog off and on for a couple of years now. I'm 55 years old. After getting my high school diploma I spent six years in the military, and then followed up my service with a series of various jobs. My ...

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My name is Tracie and I'm 30-years-old. I'm an associate chemist in coastal North Carolina. I have an eight-year-old son and I'm engaged to his dad. I wasn't always financially responsible -- I was saddled with $10,000 in consumer debt. Twice. Then ...

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My name is Ruth and I'm a stay-at-home mom for our four kids. When our first child was born, I vowed to stay home as long as we could afford it. It's been 16 years and three more kids since then, and I'm still here. I was always very frugal, ...

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My name is Barb and I live in Alberta, Canada. I've been working in retail sales management for ten years. My income is just over $40,000 per year, although the climb to get there was very gradual. I have a teenage daughter who lives with me. ...

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My name is Mary. I'm 58-years-old and I live in New Mexico. I've been working since I was 16 years old. I have a bachelor's degree, as well as a master's degree. I was fortunate to attend college in the 1970s and 80s without accumulating any ...

Continue reading How I Live on Less than $40,000 Annually: Mary from New Mexico

A little about me. On the internet, I usually go by "Caine Volfram." No, that's not my real name. I also go by "Clockwork Gremlin." I am largely unremarkable. Single white male, just turned 28, Irish descent (among others), living in rural ...

Continue reading How I Live on Less than $40,000 Annually: Caine from Colorado

Readers: Welcome to the first installment of my new series featuring Len Penzo dot Com readers who make ends meet on roughly $40,000 per year -- or less. Originally, I was hoping to run one or two articles per month, but the initial response has been ...

Continue reading How I Live on Less than $40,000 Annually: Jen from Virginia