Welcome to Under the Median, where practical frugality meets real life.

Take Control of Your Money & Build the Life You Really Want


Ever looked at your bank account and thought, Where did it all go? You’re working hard, but no matter what you do, money still feels tight.

But what if you could make confident, intentional financial choices that help you spend less, save more, and finally feel in control, without giving up everything you love?

You need simple strategies that help you take charge of your money without sacrificing what you value most.

Learn how to:

  • Meet financial goals
  • Spend less money
  • Lower regular expenses…

And still have fun!

Click Here

New here? Get Started.

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Budgeting

Image of a paper labelled "utility bills" with a magnifying glass. The words say, "Save on Utilities".

Utilities

Image of household cleaning supplies. The words say, "Save on Household Purchases".

Cleaning

Image of a target with an arrow in the center. The words say, "Reach financial goals".

Money Goals

Image of two wrapped Christmas gifts. The words say, "Debt Free Holidays"

Gifts

Image of a bag of groceries. The words say, "Cut Grocery Bills".

Food

Image of a jar filled with money and coins a dollar bill sign on the front of the jar. The words say, "Save More Money"

Saving

Image of a paper with three vegetables on the left side and check marks on the right side. The words say, "$50 Weekly Menu Plans".

Menus

What are you working on, today?

We help busy people learn practical frugality skills, so they can budget, pay off debt, and live the life they really want, knowing their money is under control.

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Image of several eBook covers. The words say, "GET HELP to spend less and save more". There is a red button that says, "SHOP".
Image of two people standing behind a large studio video camera and pointing to it. The words say, "WATCH videos about frugality". There is a red button that says, "YOUTUBE".

We’re Hope and Larry

When we married in 1988, we were in debt, making a little above minimum wage, and living paycheck to paycheck.

After seeing a zero balance in our bank account, we became determined to learn how to set realistic money goals and live within our means.

Over the past 36 years we have

  • Been completely debt free (including our home) since 1998.
  • Bought cars with cash.
  • Paid cash for home improvements.
  • Paid off our first home mortgage in five years.
  • Purchased our current home with cash in 2010.

And we did it all while raising four sons on an income which averaged under $40,000 a year!

This is a photo of a man and a woman standing outside and looking at the camera and smiling. The people are Hope and Larry from Under the Median

Here’s what our students are saying.

This image is a testimonial for Under the Median. It says, " I love how practical your tips are. Thank you to you and Larry and sharing your ideas with us! Frugality is a fun game to me, and you are helping me be a better player." Amy Bengala
This image is a testimonial for Under the Median. It says, " I have implemented many of your tips and strategies over the last year. I am proud to say that I've been able to save close to $10,000 so far." Melinda C.
This image is a testimonial for Under the Median. It says, " My income is $1800/month. With uour advice I now have at least 3 months of food in my pantry. I have saved $1600 for my emergency fun (and still building). The peace of mind all of this brings me is immeasurable" Sandra P - Alberta Canada
This image is a testimonial for Under the Median. It says, " We've been able to pay down our degts and are now on trak to be debt free in two years, except our mortgage. Thank you!" Caroline Miller

Under the Median on YouTube

If you feel STUCK and unable to make progress on any of your money goals, grab a big dose of hope and practical frugality tips (that actually work) – a couple who learned how to stretch their money, reach financial goals (even on low income), and do it with a spirit of joy and abundance.

Join 222,000 other subscribers. You’ll be challenged and inspired by our YouTube channel.

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This image shows the cover of an eBook "10 Ways to Radically Reduce Your Expenses". There are 10 sample pages and text which reads, "Learn to: Meet Budget Goals, Spend Less Money, Lower Expenses, and still have fun!" There is a button that says, "Click here". The word, "FREE: is in the uppper center of the rectangular image with a red arrow pointing to the eBook cover.