Not Just Beans author Tawra Jean Kellam is known on the web for her expertise in frugal living. She participates in group discussions on several simple living and frugal bulletin boards and advises people regularly how to save money on her website, Living On A Dime
. Tawra, her husband and 3 kids live in Wichita, Kansas. In five years, they paid off $20,000 personal debt on an average income of $22,000 per year.