Cheap 101 – Lecture Notes

Instructor: Ima B Cheap
Office Hours: 24/7
Registration: Open to All
Tuition: Free

1

“10 Proven Ways to Slash Your Grocery Bill in Half”

“10 Frugal Hacks That Will Save You Thousands”

10 Frugal Hacks That Will Save You Thousands Every Year

10 Side Hustles to Supercharge Your Savings

150 Ways to Improve Your Life

5

“5 Money-Saving Hacks You Can Start Today”

5 Budgeting Apps to Keep Your Finances on Track

$5 Family Dinners (Video)

6

6PM Clearance Sale

7

70 Meals for Just $25

8

8 Cheap Cars that Make You Look Rich (Video)

A

Amazon Haul

Ask Professor Ima B Cheap

Auto Adieu: Embrace Public Transit’s Joyride!

Affordable Autos: Keeping Your Car Costs Down

Addicted to Couponing (Video)

America’s Cheapest Family (Video)

Award Wallet

Ask for Classroom Supplies

Advice and Ideas to Handle Stress

Apply for a Service Animal

A free, world‑class education for anyone.

Autodesk Offers Free Software

Apply for Pell Grants Online with the FAFSA

Applying for a Government Grant

B

Beauty

Baby

Bill Busters: Bulk Buying Magic to Crush Grocery Costs!

Bean There, Brewed That: Unleash Your Inner Barista!

Bye-Bye Car Woes: Hop on Board the Transit Train!

Budget-Friendly Bites: Nourishing Your Wallet & Body!

Budget Bliss: Spruce Up Your Home on a Shoestring!

Budgeting for Couples: Navigating Finances Together

Budgeting Tips

Back-to-School on a Budget: Getting A+ Supplies for Less

Budgeting 101: A Crash Course in Making Every Dollar Count

Bill Hacks that Make Life Cheap (Video)

Brad’s Deals

Be Frugal

Breaking a Bad Habit (Video)

Become an Etsy Store Owner

Buying Foreclosed Homes to Save Money

Blogging for Fun and Money

C

Coupons.com

Capital One Shopping

Coupon Conqueror: Digitally Ditching Debt with a Dash of Drollery

Coupons Go Viral: Unleashing The Digital Deals Deluge!

ChatGPT: The Witty Wordsmith Unleashed!

Cautionary Tales: Ditch the Drama, Embrace Maintenance!

Crafty Creations: Handmade Gifts that Say ‘I Didn’t Just Buy This at the Last Minute, I Swear!’

Cheery Tips for Thrifty & Conscious Consumers: The Art of Ethical Shopping!

“Cutting Costs: How to Save on Utilities and Still Stay Warm”

“Cheap and Cheerful: Affordable Ways to Boost Your Mood”

“Cheap Eats: Delicious Recipes for Frugal Foodies”

Cheap 101: 🎓CHEAP TSHIRT💰(GET YOURS HERE)

Cheap 101: Graduate of Distinction Tee

Cheap 101: Graduate of Distinction Notebook

Chapter 23: Graduation Day – Your Diploma in Thriftiness 🎓💰

Chapter 22: The Frugal Bucket List – Dream Big, Spend Little 🌈💡

Chapter 21: Celebrations and Holidays on a Budget 🎉🎄

Chapter 20: Sharing the Wealth – Frugal Living in a Consumerist World 🌍💕

Chapter 19: Staying on Track – Routine Checks and Adjustments 📊✅

Chapter 18: The Ultimate Cheap 101 Toolkit – Resources, Apps, and More 🛠️📱

Chapter 17: Health and Wellness on a Budget – Be Fit Without a Gym Membership 🏋️‍♀️🍎

Chapter 16: The Art of Negotiation – Get More for Less 💬💵

Chapter 15: The Psychology of Spending – Understanding Your Money Mindset 💡🛒

Chapter 14: Sustainability and Savings – Going Green on a Budget 🌿💵

Chapter 13: Retirement – The Ultimate Financial Goal 🏖️💵

Chapter 12: Frugal Family Life – Budgeting for Kids and Pets 🐕👶

Chapter 11: Higher Education on a Shoestring – Scholarships, Grants, and Thrifty Study Tips 📚💡

Chapter 10: Side Hustles – Earning Extra Income on a Budget 🛠️💰

Chapter 9: Investing 101 – Make Your Money Work for You 💵📈

Chapter 8: Hit the Road, Save! – Budget-Friendly Travel and Transportation 🌍✈️

Chapter 7: Home Sweet Frugal Home – Decorating and Maintaining on a Budget 🏡

Chapter 6: Chic on the Cheap – Fashion, Beauty, and Personal Care 💄👗

Chapter 5: Dining on a Dime – Eat Well Without Breaking the Bank 🍽️

Chapter 4: The “Oops! Life Happened” Fund – Building Your Emergency Safety Net 🚨💰

Chapter 3: Financial Goals – Setting Them and Forgetting Them (So They Actually Happen) 🎯

Chapter 2: Budgeting Bootcamp – Create a Foolproof Budget in 30 Minutes or Less ⏰

Chapter 1: Understanding Money – Where it Comes From, and Where it Goes 💵

Cheap 101: A Masterclass in Frugal Living

Chic on the Cheap: Affordable Fashion Tips

Coupon Queens and Kings: Mastering the Art of Couponing

Coupon Cause

Cheap 101: Review Your Expenses

Cheap Flights with CheapOAir

Cheap 101: Food

Cheapest Mother (Video)

Coupon to be Queen for the Day

Custom Savings Envelopes

Custom Family Budget Binder

Custom Garage Sale Sign

Custom Estate Sale Sign

Custom Yard Sale Sign

Custom Rummage Sale Sign

Custom For Rent Sign

Coupon Mom

CHEAP 101: Shopping by the Season and Month

Cheap 101: Being Cheap Gives You the Power

Cheap 101: Social Class and Wealth

Cheap 101: 0% Interest Loans

Cheap 101: Smaller Homes Save Money

Cheap 101: The 50-30-20 Rule

Cheap 101: SMART Goals

Cheap 101: Grocery Shopping Advice

Cheap 101: Sometimes One Car is Enough

Crowdfunder

Career OneStop Offers Job Training

Create an Emergency Preparation Checklist

Cheap 101: Financial

Credit Repair – Learn How to Fix Your Report

D

DIY or Die: YouTube’s Handyman Hacks for Hilariously Cheapskate Homeowners

Dress to Impress on a Dime: Frugal Fashion Finesse!

“DIY Home Repairs: Save Money by Fixing It Yourself”

“DIY Home Decor: Luxury Looks for Less”

Deal of the Day

DIY Home Improvements: Build a Better Space Without Breaking the Bank

Don’t Pay Full

Deal News

Disaster Assistance Agency

E

Electronics

Embracing Frugality: The Joyful Path to Early Retirement

Emergency Funds: Why You Need One and How to Build It

eBay

Education on a Budget: Learning Without Student Loans

Extreme Couponing (Video)

Eating Fishheads to Save Money (Video)

Emergency Shelters and Housing During Disasters

F

Featured Deals

Featured Sale

Feast on Laughs: Cook at Home, Laugh at the Bank

Flush Frugally: Hilarious Hacks to Drown Water Bills!

Fit Flair: Work It Out & Spare Your Wallet!

Flush Less Cash: Hilarious Hacks for Thrifty Toilets!

Flush & Save: Hilarious Hacks to Wipe Out Your Water Bill!

From Books to Bytes: Librarians Turned Magicians Offer Freebies Galore!

Frugal Fitness: Unleashing the Joy of Staying Fit on a Shoestring!

Flavorful Feasts on a Shoestring: Gourmet Delights Under $10!

“Frugal Fitness: How to Get Fit Without a Gym Membership”

“Frugal Beauty: Look Fabulous for Less”

Frugal Travel: Exploring the World Without Breaking the Bank

Free Printable Coupons (100’s)

Family Fun Without the Funds: Affordable Activities for All Ages

Fit & Frugal: Exercising on a Budget

Fix It, Don’t Ditch It: DIY Home Repairs on a Budget

Frugal Festivities: Celebrating on a Dime

Freakin Cheap Family (Video)

Funny Custom Gas Fund Jar

Forever 21 Sale

Free RV Campsites

Fundrise Offers Real Estate Investing

Free Gym Membership for Students

Find Your Local Food Bank

Food Assistance Program Guide

Federal Student Financial Aid

Find Affordable Rental Housing

FEMA – Emergency and Disaster Assistance

Financial Help Resource Directory

Food for Free – Hunger Hotline

Find FREE Online College Classes

H

Hobby Lobby Clearance

Hilariously Handy: The Art of DIY Home Fixes

“How to Save Money Without Giving Up Your Morning Coffee”

“How to Negotiate Lower Prices on Everyday Items”

“How to Save Money on Healthcare Costs”

“How to Build an Emergency Fund on a Tight Budget”

“How to Build a Capsule Wardrobe on a Budget”

“How to Eat Gourmet Meals for Under $5”

“How to Plan a Dream Wedding for Under $5,000”

“How to Retire Early by Living Frugally Now”

“How to Entertain Guests Without Spending a Fortune”

How to Be a Baller on a Budget: Living the High Life for Less

How to Eat Well on a Budget: Frugal Food Tips

How to Stick to Your Budget: Accountability and Adjustments

How to Create a Zero-Based Budget

How to Save Money: Secrets to a Fatter Wallet

Home Sweet Budget Home: Affordable Home Improvement Tips

Healthy Wallet, Healthy You: Tips for Affordable Healthcare

How to Cook a Cheap Steak (Video)

Hip2Save

Honey

How I Live off $300 a month (video)

How to Embrace Aging

How to Ask for Help (Video)

Hungry? Calfresh for Free Food

Habitat for Humanity for Home Ownership

Help for the Elderly at Aging.com

Homeless Help and Referral Guide

Help with Home Repairs and Modifications

Housing Choice Subsidized Rent Vouchers

I

ID’ing the Holy ‘Savings’ Grail: Student Discounts, Unleash the Modern Magic!

ID-ental Savings: Unlock Student Discounts, Splurge on the Cheap!

ID-olized Savings: Student Discounts, the Secret Perks for Broke Brains!

“Investing on a Budget: How to Make Every Penny Count”

“Investing on a Budget: Wealth-Building Tips for Frugal Folks”

Indiegogo Helps Launch Tech Businesses

J

Joyful Pursuits: 10 Budget-friendly Hobbies to Rediscover Bliss!

JC Penney Sales & Clearance

K

Kitchen

Kellogg Coupons

Krazy Coupon Lady

Kohls Sale

L

Lawn & Garden

LED Lights: The Brilliant Budget-Savers!

LED Lights: Brighten Up Savings and Give Your Wallet a Break!

Laugh Your Way to Savings: Keep Your Car Happy, Avoid Wallet Whammies!

Living Like Your Poor When Your Not (Video)

Living Social

Lifehack

Learn a Language for Free at Duolingo

Lifeline Telephone Service for Free Phones

Legal Helpline Has the Answers

Lifeline Free Phone Program

M

My Notes: Amazon’s Best Deals

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

“Maximize Your Savings with These Couponing Tips”

Meal Planning for Pennies: How to Feed a Family on a Budget

Macys Sales & Clearance

Many Seniors Qualify for Meals on Wheels

Make Money Teaching Others things You Know

Maximize Deployment Income with Bankrate

Make money on Zazzle

Make Money on Youtube

Make Money on Amazon

Most Popular Government Benefits

Military Resource Directory

Make a Wish – Granting Wishes for Children

N

Night Out on a Nickel: Affordable Fun After Dark

Nike Sale

Need to Improve Your Attitude? Try Laughter Yoga

O

Outlet

Old Navy Clearance Sale

On the Road to Savings: Budget-Friendly Car

P

Pet Supply

Proctor & Gamble Coupons

Pet Primpin’ on a Purrrfect Budget!

Penny-Pinching Presents: Splurge on Creativity, Not Cash!

Pawesome DIY Pet Hacks: Unleash Thriftiness & Treats!

Paw-some Pet Primping: Budget-Friendly Tips to Spoil Your Fur Baby!

Penny Pinchers’ Paradise: Budget-Friendly Delights to Spoil Yourself

Penny-Pinching or Savvy Saving: Distinguishing Frugality from Miserliness

Party On a Shoestring: Unleash Your Inner Host Extraordinaire!

Penny-Pinching Bliss: How to Embrace Affordable Luxury

Pampering on a Penny: Affordable Self-Care Tactics

PacSun Sale

Programs for Seniors

Publisher’s Clearinghouse Sweepstakes

Partnership for Prescription Assistance

Programs to Help You Pay for a Home

Q

Quirky Nuggets: Unleashing Wallet Wisdom with Hilarious Paragraph Potpourri!

Quick and Easy Lottery Results Offered by Lottery USA

R

RetailMeNot.com

Rice, Pasta, and Canned Good Galore: Bulk Buying = Wallet Bliss!

Rev Up Savings: Unleash the Maintenance Guru in You!

Rust: Nature’s Sneaky Way of Turning Metal into Fashionably Aged Art

Rakuten

RebatesMe

Reebok Sale

Red Cross Offers Help in Emergencies

Retail Me Not for Great Deals

S

Stretch Your Budget with LOZO – Easy Couponing Made Smarter

Save Big with Food4Less Digital Coupons – Easy, Free, and Worth It!

Subscriptions Anonymous: The Art of Breaking Free From Your Digital Overlords

Snack Smarter: Ditch the Brands, Bulk Up on Deliciousness!

Snackonomics 101: Bulk Up on Budget-Friendly Bites & Bid Farewell to Bland!

Snack Smarts: Bulking Up Beats Branding!

Say Cheese: Snap Up Sentimental Album Surprises!

“Save More, Spend Less: The Psychology of Money Management”

Smart Spending for Smart Minds: Navigating Student Loans and Educational Expenses

Second-Hand Superstars: How to Score Big by Shopping Used

Start a Cash Envelope Budget (Video)

Slick Deals

Smart Source

Swagbucks

Savings.com

Secret to Life is Setting Goals

Stay Healthy with this Screening Tool

Scholarships for Healthcare Professionals

Start and Grow Your Small Businesses

Search for Scholarships Here

Save Money with Online Coupons

Social Security Planning for Your Retirement

SNAP Food Program

Social Security and How it Works

T

Toys & Games

Thrifty Threads: Unleashing Your Inner Bargainista!

Travel in Laughter: Avoid the Crowds & Embark on Off-Peak Escapades!

Trash to Treasure: Laugh Your Way to Savings with Zero Waste!

The User’s Guide to Confusing Computers: A Symphony of Button Mashing!

The Bookworm’s Paradise: Beware of Getting Addicted!

Thrifty Treasures: Cheap Gifts that Pack a Punch!

The Marvelous Art of Penning Whimsical Wonders: Unleashing Fantastically Short and Hilarious Paragraphs!

The Bookworm’s Paradise: Freebies Galore at Your Local Library!

The Surprising Charm of Budget Buys: Unveiling the Hidden Gems!

Thrifty Delights: Unleashing Affordable Bliss for Lovebirds!

Thrifty Traveler’s Delight: Globe-Trotting on a Shoestring!

The Thrifty Thrills: Unveiling the Joy of Frugal Living!

The Rise of Frugal Chic: Embracing the Art of Being Thrifty!

Thrifty Bliss: Unleashing Your Inner Money-Saver with Gusto!

Thrifty Delights: Embracing Frugality as a Joyful Virtue!

“Traveling on a Shoestring: See the World Without Breaking the Bank”

“The Secret to Saving Money While Dining Out”

“The Art of Frugal Living: A Comprehensive Guide”

“The Ultimate Guide to Budgeting Like a Pro”

“The 5 Best Money-Saving Apps You Need Right Now”

“The Hidden Costs of Owning a Car and How to Avoid Them”

“The Zero-Sum Budget: A Revolutionary Approach to Saving”

“The Millennial’s Guide to Saving for Retirement”

“The Ultimate Guide to Living Large on a Small Budget”

“Travel the World Without Breaking the Bank”

“The Art of Thrift Shopping: Finding Treasures on a Dime”

“The Secret to Cutting Your Grocery Bill in Half”

“The 5 Best Budget Apps to Keep Your Finances in Check”

“The Minimalist Lifestyle: Less Stuff, More Savings”

The Art of Thrifting: How to Score Big While Spending Less

The Ultimate Guide to Living Frugally Without Sacrificing Happiness

The Psychology of Budgeting: How Mindset Affects Your Finances

The 50/30/20 Rule for Budgeting

The ABCs of Budgeting: A Beginner’s Guide

Temu Clearance Sale

Top Cash Back Rebates

Treasure Hunting on a Dime: Thrift Store Savvy

Thrifty Travel: How to See the World Without Emptying Your Wallet

The Magic of Amazon Coupons: Unlocking Great Deals Like Never Before

Target Sales & Clearance

The Health Benefits of Clowning Around

Try 211 Helpline to Find Help

U

Unleash Your Inner Clickbait Master: One-Liners That Drop Knowledge Bombs!

Unleash the Transit Beast: Slash Expenses, Crush Traffic!

Unleashing Your Inner Frugalista: Embrace Budget-Savvy Tricks!

Utility Bills Unplugged: How to Save on Electricity, Water, and More

University of the People FREE College Degrees

Udemy offers Thousands of Low Cost and Free Courses

Unemployment and How to Apply for Benefits

W

Whisk Away Your Budget Woes: Cook at Home, Laugh at the Bank

“Why Being Cheap is the New Cool”

Walgreens Sale

Walmart Deals Sale

Wayfair Daily Sale

What is Cyberbegging?

Write an eBook and Publish It

Work Online at Fiverr

WebMD – Free medical info and diagnostic tools

Z

Zap Your Wallet Woes: Switch Off Gadgets & Cash In!

“Zero-Waste Living: Save Money While Saving the Planet”

🌱

🌱 SocialNature.com: Try Natural, Healthy Products for Free—And Share What You Think

🌼

🌼 The Joy of Simple Living: Finding Magic in the Little Things

🎁

🎁 Discover FreeFlys.com: Your Shortcut to Real Freebies That Actually Show Up

🎁 Freebies Made Easy: Discover Hidden Gems at FreeSamples.org

🎁 Gift Ideas Under $5 – Thoughtful, Fun & Frugal Finds!

🎁 Where to Get Free Stuff

🎵

🎵 “The Ballad of Ima B. Cheap (and Her Degree in Deals)”

🏆

🏆 The Best Coupon Websites of 2025: Your Ultimate Guide to Saving Big

🐝

🐝 BzzAgent.com: Get Free Products, Share Your Thoughts, and Join the Buzz

💄

💄 Get Free Products and Be Heard: How Influenster.com Lets You Try and Review Brand-Name Goods

💰

💰 Easy Ways to Be Cheap (Without Feeling Cheap)

📚

📚 Free Kindle Books on Amazon: Read More, Spend Nothing

📦

📦 Try Before You Buy: How PINCHme.com Lets You Score Free Samples—Delivered to Your Door

📬

📬 SampleSource.com: Get Free Samples Delivered Right to Your Door—No Strings Attached

🔄

🔄 Freecycle.org: Give and Get Free Stuff While Helping the Planet

🖨

🖨️ Save More on Groceries, Essentials & More!

🛍

🛍️ FreeStuffFinder.com: Where Deals, Discounts, and Freebies Come to Life

Cheap 101: 🎓CHEAP TSHIRT💰(GET YOURS HERE)

Cheap 101 Graduate of Distinction T-Shirt – Your Badge of Honor in Savings! BUY YOUR SHIRT HERE 👕 10 Reasons You Need a Cheap 101 T-Shirt in Your Life By ...

“The Ultimate Guide to Living Large on a Small Budget”

Living large doesn't have to mean emptying your wallet. With a little creativity and some savvy strategies, you can enjoy a life of luxury without breaking the bank. In this ...

The Bookworm’s Paradise: Freebies Galore at Your Local Library!

=== Welcome to the bookworm's paradise, where dusty tomes and hidden treasures await your eager eyes. Yes, we're talking about your local library, the place where literary dreams come true ...

Thrifty Threads: Unleashing Your Inner Bargainista!

Are you tired of breaking the bank every time you go shopping? Well, fear not, my fellow fashionistas! It's time to unleash your inner bargainista and embark on an epic ...

The ABCs of Budgeting: A Beginner’s Guide

Budgeting can seem like a daunting task, especially if you're new to the concept. However, it's easier than you think! This article will guide you through the basics of budgeting, ...

Free RV Campsites

What is Harvest Hosts? Harvest Hosts is a membership program that provides access to a network of wineries, farms, breweries, museums and other unique attractions that invite self-contained RVers to ...

“Travel the World Without Breaking the Bank”

Are you ready to embark on an extraordinary adventure around the world without emptying your bank account? Look no further! In this article, we will unveil the secrets to affordable ...

“The Art of Thrift Shopping: Finding Treasures on a Dime”

The Art of Thrift Shopping: Finding Treasures on a Dime === Thrift shopping is not just a hobby; it is an art form that allows treasure hunters to embark on ...

Treasure Hunting on a Dime: Thrift Store Savvy

Ahoy, thrifty mates! Your captain, Ima B. Cheap, is setting sail into the wondrous seas of thrift shopping. Discover the joys of thrift stores, where every aisle is a treasure ...

💄 Get Free Products and Be Heard: How Influenster.com Lets You Try and Review Brand-Name Goods

By Cheap101 Editorial Team Want to get full-size products from top brands—delivered free to your doorstep—just for sharing your honest opinion? Welcome to Influenster.com, a one-of-a-kind platform where everyday people ...

Find Affordable Rental Housing

People with low income, seniors, and people with disabilities may qualify for help from the U.S. Department of Housing and Urban Development (HUD) to get affordable rental housing. HUD doesn't own ...

Custom Savings Envelopes

Save for Anything Custom Envelope Create custom savings envelopes for monthly bills, holidays, birthdays and more Design by Cheap101 ...

Emergency Shelters and Housing During Disasters

Everyone is welcome at a Red Cross shelter. The Red Cross does not discriminate based on nationality, race, religious beliefs, class, disability, political opinions, sexual orientation, or gender identity. If ...

Get Paid to Do What You Love

Patreon powers creators by giving them the tools they need to acquire, manage, and energize their paying customers. With a subscription-style payment model, fans pay their favorite creators a monthly ...

A free, world‑class education for anyone.

Khan Academy offers practice exercises, instructional videos, and a personalized learning dashboard that empower learners to study at their own pace in and outside of the classroom. We tackle math, ...

“How to Save Money Without Giving Up Your Morning Coffee”

Do you ever find yourself torn between wanting to save money and not wanting to give up your beloved morning coffee? Well, you're not alone! Many people have a deep-rooted ...

Ask for Classroom Supplies

How it works To ensure integrity, we're there through every step of every project. We vet all requests, purchase each item, and ship materials directly to verified schools. You find ...

Garage Sale Junky Mug

Funny Garage Sale Junkie by Cheap101 Funny garage sale "junkie" mug ...

Habitat for Humanity for Home Ownership

How does Habitat for Humanity help families? People in your community and all over the world partner with Habitat to build or improve a place they can call home. Habitat ...

READ MORE NOTES

THIS WILL BE ON THE TEST: Being frugal helps you prioritize what truly matters in life. Saving money today means more financial freedom tomorrow. Frugality teaches you the value of hard-earned money. Being cheap isn't about sacrificing quality; it's about making smarter choices. A penny saved is a penny earned, and those pennies add up! Frugality fosters creativity as you find new ways to save. Being cheap reduces waste, making you more eco-friendly. Frugal living allows you to build a safety net for emergencies. Being frugal helps you appreciate the simple joys in life. Frugality is the first step towards achieving financial independence. Being cheap means you can give more to causes that matter to you. Being cheap helps you avoid the stress of debt. Frugality enables you to invest in your future. Being cheap is about being resourceful, not restrictive. Frugality is the cornerstone of wealth-building.