Frugal
& Festive!

Check out the
Diva's holiday guide, packed with tips to help you make this festive season merry, bright,
and on budget.
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Diva's Tip of the Week!

Make Your Purchases Early!

Take advantage of clearance sales as soon as you...read more



Meet The Debt Diva

Welcome! I'm Clarky Davis, The Debt Diva, and I'm here to help you make smart decisions about your personal finances. All my advice comes from my own experience. I know what it's like living on a budget and paying down debt. As consumers, we've been on a long-term spending spree and it's time to make some changes that will actually make us feel better in the long run.

I like to say "Frugal is the new black" - which means you can make living on a budget stylish and fun. It's chic to be cheap with the economic challenges we're facing.

Come back often for the latest in money-saving tips, visit my blog and check out my appearances in the news.




What's New on the Debt Diva's Blog

The Holidays would be a Miss Without Beauty Bliss

Yes. I am a girly girl, and after the holiday rush there is nothing I love more than to kick back, put my feet up and be pampered! That’s why I highly recommend a beauty gift... Read More

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Who is the Debt Diva?

The Debt Diva, Clarky Davis, has more than five years experience in the debt management industry and more than 10 years personal experience with credit and debit cards. Clarky's money-saving tips have all been tested by the Diva herself, based on her experiences living on a fixed income. She now offers her hard-won insights to others who want to stretch their budgets and tackle debt.

Clarky holds two bachelors degrees from Meredith College in Raleigh, N.C. and counselor certification from the Institute for Financial Counseling.