No, these muffins won’t pay off your debt, but at only 9 cents each, they won’t add to it either:))

Cheapskate Muffins

Call me a cheapskate, I won’t be offended. It’s necessary in order to become

Debt free

Although, when I looked up the definition, I think I change my mind:) Some of them claim a cheapskate values money over people. Not true for me!

Actually, I decided long ago that I’d rather pay for experiences rather than things. For me, travel is a must. I have a travel budget since it is my lifelong goal to visit at least 2 new countries per year.


But a few years ago, I realized that I had racked up more than $25,000 in debt. Mostly because I was putting the $5,000/year property taxes on my credit cards while paying cash for my vacations. Plus, any repairs to the house were also put on credit. Uhh… Priorities??

Needless to say, the house had to go. I also hated the burden of debt. So I decided I had to restructure my life to do what I wanted most, which is travel.

Here are 20 things I did to pay off my Debt:

  1. Sold my house (don’t get so excited, I made a whopping $1000)
  2. Got a loan to pay off high interest credit cards
  3. Transferred balances to credit cards with 0% interest
  4. Found a friend to split a Costco Membership with me
  5. Had a Garage Sale
  6. Cancelled my cable
  7. Cancelled my phone and got a friend’s share plan
  8. Moved to the cheapest place I could find in the neighborhood with the best schools
  9. Signed up to do a Paid Lunch Duty
  10. Cashed out some money from my ROTH IRA (not recommended)
  11. Stopped using my heater and A/C
  12. Stopped buying new running shoes and bought sole inserts instead
  13. Sold my son’s old sports equipment
  14. Started teaching Summer school
  15. Drove my used car for 10 years/200, 000 miles
  16. Biked or walked everywhere to save on gas money
  17. Bought everything store brand
  18. Made the 99only Store my 1st stop for everything (including produce)
  19. Tutored after school
  20. Expressed gratitude everyday

And with that, I give you a recipe I created using 3 items from the 99 Cents store. Even if you don’t have 99only store near you, similar Dollar stores should have these ingredients.  Although, in general, these 3 ingredients are all really inexpensive. All together, this recipe cost me 55 cents. That’s a little over 9 cents per muffin!! Plus, they are healthy, gluten free and vegan with no added sugar.

Cheapskate Muffins

Prep Time: 2 minutes

Cook Time: 20 minutes

Total Time: 22 minutes

Serving Size: 6 muffins

Cheapskate Muffins


  • 1 Cup Oats
  • 1 banana, mashed
  • 3 TBSP Ground Flax Seed
  • 6 TBSP Filitered Water


  1. Preheat oven to 350 degrees
  2. Combine all ingredients in a large bowl
  3. Stir until blended
  4. Spray a 6 cup muffin tin with nonstick spray
  5. Spoon into 6 muffin cups
  6. Bake for 20 minutes

You can sugar if you wish.


Wealth is the ability to fully experience life. –Henry David Thoreau

Keep Well,