She raised four kids on one income for a good stretch of those years and learned through a few tight Decembers what actually matters when the money runs short. These days she helps grandkids open their first savings accounts and still keeps a coffee can of cash in the cupboard for emergencies.
Joyce Shelton
Teaches people how to manage money with what they actually have.
Orem, UT Doing this since 1988 1 class
- Raised four kids on one income
Community instructor · a local volunteer, materials reviewed by the program
What Joyce teaches
- Envelope budgeting
- Grocery savings
- Emergency funds
- Teaching kids to save
- One-income households
Joyce's classes
Recent posts from Joyce
- Welcome to Family Budgeting Basics - class starts May 5Apr 9, 2026 · 25 replies