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Book Review – How to Become Financially Free

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It’s not easy to look in the mirror and realize that you’re the problem – especially when you’re experiencing financial stress.  Many stay-at-home moms feel like there would be less money “issues” at home if they got a job.  Once and for all, Sarah’s book, “How to Become Financially Free: From Homeless to Well Off : I’ll Show You How” debunks the myth that women have to or should be employed in order to keep the home economy balanced.

In 16 easily-digestible chapters, Sarah explains the skills necessary to tackle and learn to achieve financial freedom. Each one is explained and illustrated with a ton of her own personal examples. Sarah has lived what she teaches, and as a homeschool mom, I just LOVE that! 😉Sarah Titus How to Become Financially Free Book Review


Similar to what I’m always telling my kids, she shows us that the first change to make is our own attitude: our own approach to money and spending and debt.


One of the things many homeschooling and stay-at-home (SAHM) moms will appreciate is that Sarah Titus has done all this as a single parent – which means all her tips and steps were accomplished in a single-income family environment!  Her personal story is truly inspiring and engaging – even in today’s “modern” culture, there is a growing trend towards women staying home, at least while their brood is still pre-school. Additionally, with mounting concerns over the state of the US educational system, the number of homeschooling families is increasing exponentially. Understandably, then, these single-income families may find added financial pressure just to stay afloat, so it’s like a breath of fresh air to realize that someone is NOT telling me I have to “go to work” to make our family budget function!



These are the topics she covers in “Becoming Financially Free”:

Chapter 1: Living Paycheck to Paycheck Would Be a Blessing!

Chapter 2: Learning to Trust my Savior

Chapter 3: Learning to Budget

Chapter 4: Learning to Give

Chapter 5: Learning to Save When There’s Nothing Left to Save

Chapter 6: Learning to Be Squirrel-Like

Chapter 7: Learning to Plan for Everything

Chapter 8: Learning to Use Bonuses to Get Ahead
How to Become Financially Free - Sarah Titus

Chapter 9: Learning to Pay Cash for Everything

Chapter 10: Learning to Get What You Want For Free

Chapter 11: Learning to Haggle

Chapter 12: Learning to Save Everyday

Chapter 13: Learning to Chip Away at Debt

Chapter 14: Learning to Be Consistent

Chapter 15: Learning to Save for Big Purchases

Chapter 16: Learning to Invest Wisely


Of these topics, I was most-challenged by learning to haggle, and like many, being consistent (as I write this as I am still “working on” our family budget…for 2015 :-/).

From Chapter 2, we learn about Sarah Titus’ motivation: for financial freedom and the reason she shares all her “secrets” with us.

  1. God always keeps His promises, and
  2. Her heart is to be home with her children.


Now I have to tell you, knowing this information alone resonated with me, and motivated me to delve into her book. Sarah’s faith in a God who provides for His children, and her love and desire to be at home and care for her own, is both admirable and encouraging, and speaks to moms in all walks of life and financial situations.

What I find especially helpful is both how vulnerable and honest she is about all the mistakes she has made; and how she is quick to share where she is in her own life and achieving her personal goals under each section she details.

But let me point out that she does not sugar coat how difficult it may be to get your financial house in order, nor does she present the principles described as easy-peasey. For example, in Chapter 5, she presents us with:

I learned how to save when there was nothing to save. (I mean, who can really do that, right?)

But then she shows you exactly how to do just that, and provides a resource section, where you can find a savings goal worksheet to track your savings 😉


In Chapter 11, we learn how to haggle. But after reading her own story and learning some solid tips on how (and where) to haggle, she leaves us with:

…never forget that the seller is a person too. Be fair, be honest, and be kind.

In short: gaining financial freedom does not come at anyone else’s expense!


Now, to be fair, there are some assumptions she works under that I don’t quite agree with. For example, the assumption I describe above that married folk may find it easier to attain financial freedom because there are 2 incomes contributing to the household.

I also have a difference of opinion on her ideas about debit and credit cards as she explains them in chapter 5. (But, admittedly, she IS in better financial straights than I, so I may not have much ground to stand on related to that one!)

Finally, given the depth and practicality of information in the rest of the book, the last chapter, Learning to Invest Wisely, is a bit light and perhaps not perfectly suited for this particular book.

But, overall, I think most readers will appreciate the information and encouragement, and her writing style. It’s like sitting with a friend over coffee and sharing advice… Now that advice may not always be simple to adapt…but it IS “doable.” 

And the results speak for themselves in Sarah Titus’ life!

If you are struggling with living in financial bondage, feeling over your head in debt and bills, and looking for a way out, How to Become Financially Free: From Homeless to Well Off : I’ll Show You How may be just the ticket.


Skip the Starbucks this week, and spend the money on this – you’ll have something to show for it at the end of the day!

* I purchased this book with personal funds and was not asked to write a favorable review.  Other than affiliate income I would earn should you purchase the book for yourself, I’m receiving no additional compensation for this post.
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Pat is a Yankee city-girl who has been adopted by the sleepy, sunny south. Married for 30 years and the mother of 5, she woke up one day recently to discover she reached the stage of life where she is the “older woman” described in Titus 2:3-5. A coffee lover, the purchase of a coffee shop a few years ago was her personal foray into the small, family-owned business arena.Today, PatAndCandy.com is her outlet for packaging up and sharing the nuggets of wisdom God and life experiences have taught her.
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