Thriving On A Dime: Membership Review

I’ve always considered myself to be a pretty thrifty girl. But the past few months I’ve been participating in a membership that teaches everything you ever wanted to know about money…and then some. Since I’m learning things I didn’t already know, I wanted to share my thoughts and review the Thriving On A Dime membership.

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I first heard about Jennifer Roskamp a few years ago when one of her products was in a bundle I’d purchased. I went through it and thought, “This lady knows what she’s talking about!”

So when the opportunity came to get into her membership program, Thriving On A Dime, I was all in.

Now normally, I would have been a skeptic. After all, I’ve always been frugal and as teachers both hubby and I were never paid like rock stars or professional athletes.

I thought I knew a thing or two about how to stretch a dollar.

And I did. But here’s the thing…there is always more you can learn.

And the more you learn, the more you save…which means more money in your pocket.

What does the membership cost?

The membership is $29 a month with the option to cancel at any time. Her goal is for you to save at least enough every month to cover your membership fee, but she feels confident that if you apply the strategies she teaches that you’ll save much more.

And I agree.

How does the membership work?

Once you enroll in the program you’ll get an email that will contain the link to the course. I’d suggest that you keep this email in a folder or set up a Trello board with a link to the course and your login information (this is how I keep up with the various things I need to log in to. While I wouldn’t keep sensitive financial or personally identifying information here, I don’t really worry that someone is going to log in and take a course for me).

Each month a new module is rolled out. Each module covers a certain topic in depth…lots of depth!

You’ll get an email each time a new lesson in a module is made available – generally one new lesson every week. So all you have to do after you sign up is to watch your emails and then click over to the site, log in, and work on the module.

What’s in the modules?

Each module contains a video (and it’s not just a 2 minute video – she really holds your  hands to walk you through the concepts she’s teaching) in addition to text lessons and templates where appropriate. 

Now, we all know that our email inboxes get full. The nice thing is that if you get behind it’s always possible to catch up. You can go back to previous modules or lessons. This means that you can work through back modules at your own pace. 

I’ll admit – I’m one of those people who may get a little behind and needs to then work my way through a couple of lessons at a time.

Thank goodness for Saturday afternoons, right? But as long as you’re a member, you can go back through anything you need to. In other words, everything that has already been unlocked for you is always available to go back through.

What will I learn by participating in the Thriving On A Dime membership?

So what kind of information is covered in the modules?

Just about everything. I honestly think she’s thought of every topic relating to money and has done a module (or several) on it. Going through the list of modules (even some I haven’t gotten to yet) I was blown away with the magnitude of topics she’s covered. 

Some of her modules cover the really big expenses that are in our budgets. Things like household  utilities, vacations, and investing. 

Some of the other topics she covers include:

• smart money habits
• living on a small salary
• irregular income strategies
• debit cards vs. credit cards
• saving money on groceries including meal planning, meal prepping, meal staples, freezer cooking, making use of store loyalty programs, playing the drugstore game, (VERY in depth on this topic!)
• planning for debt-free holidays and Black Friday strategies
• saving on utilities and home maintenance
• what to buy and when
• and more

Honestly, as I was going through the topic list I told hubby that this is probably the most in-depth thing I’ve ever seen when it comes to teaching about money.

What If I’m Already Very Good With Money – Can This Help Me?

Honestly, this was my first thought when I heard about Jennifer’s programs. I’ve always been a thrifty person and circumstances have necessitated that we not be frivolous with our money. So I probably had a bit of an “attitude” about what I could learn. After all, I’d been living frugally for years.

And while that’s true…we were living pretty frugally…we could have been doing more.

But you know that saying, “When you know better you do better”…well, that’s true. It’s hard to implement strategies and techniques when you’re not aware of them in the first place. 

And I found out that even though I’m pretty thrifty, there are still things I can (and did) learn. 

But since you’re reading this post then there’s a very good chance that money is still a concern you’ve got. If so, then there’s also the very real possibility that you’re just the type of person who will benefit from her teaching.

And in case you need it, she’ll give you the first month for free to check it out. Really, what do you have to lose?

I Don’t Have The Money To Spend On A Membership – This Seems Like A Waste

Obviously, if it’s a choice between spending $29 on this membership or putting food on the table then it’s a no-brainer. Priorities must remain priorities and taking care of the essentials always comes first.

However, if you can make the $29 investment, Jennifer’s goal is that you’ll save enough each month to cover the cost of your membership…plus more.

So if you can spend $29 and implement her strategies and advice to save MORE than $29, then you’re money ahead. And that’s the goal. 

I Don’t Have Time For Lessons

While  you’ll get an email with links to new lessons each week, you’re free to work through the lessons and modules at your own pace. As long as you remain a member, you’ve always got access to the past modules once they are unlocked for you.

My Spouse/Family Will Never Get On Board With Watching The Pennies

Isn’t life funny that way? Whether it’s keeping the house clean or watching the budget, things would be so much easier if it wasn’t for other people.

However, those other people are what make life worth living. And we know that everything in life requires compromise, communication, and support.

Fortunately, there’s quite a bit of information included that will help you get  your spouse and/or family on the same page. It IS hard to save money when people are working at cross purposes. However, there are tactics to enlist cooperation so that everyone in the household is rowing in the same direction. 

What If I’m Getting Started Late?

While it would be great if we’d all started our smart money journey as young adults, the truth is that we can’t do anything but start from where we are and move forward. Better late than never is definitely true when it comes to our money. And in a few months…or a few years, you’ll be glad you started when you did. 

The only thing worse than starting late is to never start at all.

I’m Totally In The Dark About How To Save Money Or Invest

You can learn.

I hate to admit but this has been an area that hasn’t been my strong suit either. And we’ve made a lot of mistakes in this department through the years.

Fortunately, you don’t have to keep making mistakes because she’s got information to help you get comfortable with the whole concepts.

Knowledge truly does pay off!

What If I Don’t Make Enough Money TO Save?

Here’s the thing with saving…no amount of money is too small. Even if you’ve just got a few dollars a week then you can set that aside (hide it from yourself if you must) and then start adding to it.

Even small things like throwing all your coins in a jar eventually add up.

Here’s another thing about money: once you begin to see the savings accumulate, it’s a bit addictive. Nothing encourages you to save like seeing a number grow…or knowing that you’re just a little bit closer to reaching a goal.

I need more information

Still not convinced?

Go take a look at what she’s offering. See if it’s for you. If you decide it’s not then you’ve only lost a few minutes of your time.

But you may discover that Thriving On A Dime has the information you need to help you make the most of your money regardless of your age, stage, or knowledge level.