Cheap101 · Free lessons for living on less

Live well.
Spend less.
Make a little go further.

Practical ways to stretch your money, meet everyday needs, and enjoy life on a small budget—with Professor Ima B. Cheap as your friendly guide.

A tight budget can come from rising costs, a fixed income, illness, job loss, or circumstances you never chose. Whatever brought you here, you deserve useful help and a warm welcome. Your worth is never measured by your wallet.

You don’t need to buy anything to find something useful here.

Professor Ima B. Cheap, your cheerful guide to living well for less
Professor Ima B. Cheap
A little humor. A little help. A lot of heart.

Free savings calculators

Check the math before you buy.

Type in your numbers and the answer appears right away. Free, no sign-up, nothing to buy.

Visit Ima’s Savings Lab for all the tools →

Cheap 101 Deals

Sales, Coupons, Rebates and More

Begin with what you need

What would make life a little easier?

Choose one useful place to start. There is no need to take on everything today.

The free classroom

Useful lessons for real life.

Explore practical ways to spend less, use what you have, and compare your options. Take what fits your circumstances and leave the rest.

How to Pay for College: FAFSA, Pell Grants, Scholarships and Work-Study

Welcome to the actual Financial Aid Office! Whether you’re a high school senior, a parent, …

“5 Money-Saving Hacks You Can Start Today”

Saving money doesn’t have to be a daunting task. With a little creativity and some …

“Mastering the 50/30/20 Rule for Financial Freedom”

Cracking the Code: Achieving Financial Bliss with the 50/30/20 Rule! Are you tired of living …

Auto Adieu: Embrace Public Transit’s Joyride!

Are you tired of the endless traffic jams, the never-ending search for parking spaces, and …

The Subscribe & Save Strategy: How to Stack Discounts Like a Pro

For the average shopper, Amazon’s Subscribe & Save (S&S) is a convenient way to keep …

How to Create a Zero-Based Budget

Zero-based budgeting is a method where you allocate every dollar of your income to specific …

Cheap 101: Review Your Expenses

Review your expenses from the past few months and find out what they are. Learn …

“The Art of Frugal Living: A Comprehensive Guide”

The Art of Frugal Living: A Comprehensive Guide Frugal living is more than just a …

How to File Your Taxes for Free: IRS Free File, VITA and Other Free Help

Paying someone $200 to $400 to file a simple tax return is one of the …

A friendly place to ask

Let’s think it through together.

Tell Professor Ima what you have to work with: your budget, the food in your cupboard, or the choice you are trying to make. You can ask for one small next step.

  • “I have $4 and some rice. Help me plan a meal.”
  • “I need my money to last until Friday.”
  • “What should I check before buying a used car?”
  • “Help me compare the full cost of two flights.”

Professor Ima is an AI assistant and can make mistakes. Check current prices, program rules, and important details with the original source. Please keep passwords, payment details, and other private information out of the chat.

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