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|Format: DRM Protected ePub|
Vendor: Moody Publishers
Publication Date: 2007
Availability: In Stock
Ellie Kay, America's Family Financial Expert ®, will show you how to cut your stress in half - and that's just a side benefit! With the wit and wisdom of someone who has lived the half-price lifestyle, Ellie empowers you to cut the cord to a second income.
This easy-to-read guide gives practical steps, creative suggestions, and valuable resources to help you and your family:Cut your food bill in half!Cut your vacation expense in half!Cut your clothing costs in half!Cut your debt in half - and out!Cut your housing expenses in half!AND double your giving!
This book features Kays trademark wry humor. It also gives a step-by-step plan to downsize from two incomes to one with practical instruction, true life stories, comprehensive charts, worksheets, and a plan to make it work. But this isnt a book about deprivationits filled with painless tips to make living on one income a pleasure.
In working with a couple who had two young children, Kay discovered that the mother desired to be able to stay at home, nurturing her boys and enjoying their growing up years. However, from a vanity standpoint, the woman absolutely loved her huge home with its country setting and all the nice things inside it. Kay found a home that was equal in size, but it was in a crowded subdivision. She confronted the woman and told her that if she really, truly wanted to be at home with her sons, she would have to compromise. In the end, the woman and her husband sold their lovely country home, moved into the suburbs, got rid of one of their cars and some of their furniture, but the wife then got to stay at home caring for her boys. Years later, the woman was deliriously happy about her decision. She felt fulfilled as a wife and mom, and her family was a continuous joy to her.
If this example sounds a bit like something from a TV reality show, it's because that is exactly where it came from, and Kay was the media personality on that show. Nevertheless, in her book, she claims that many couples often are both working to make ends meet because they are squandering their double incomes. They are wasting money by paying ridiculously high interest rates on credit cards, by not getting good advice on lowering their taxes, by eating out when they should be cooking at home, by not refinancing their mortgages when rates improve, and by failing to take even the most basic money management steps (such as using coupons or waiting for year-end product sales). In simple but blunt lessons, she explains how to reverse these bad habits.
The key elements to this book come down to proper financial goal setting, strict adherence to a budget, elimination of all debt, and secure investing. Kay has ideas, options, and checklists for each of these areas. However, the book also addresses the issue of self-worth and psychological needs. Many women of today worry that to give up their careers as attorneys, nurses, engineers, or college professors will also diminish them in the eyes of their friends and former colleagues. (And, egotistically, it is even rougher on a man who may decide to be the at-home dad while his wife is the solo wage earner.) The author addresses a wide variety of ways to handle this, from working part-time to engaging in volunteer service, but mostly she says to realize it isn't a permanent situation unless you want it to be. You can always keep current in your field by reading or taking occasional seminars. Or, you may opt for a totally new career later in life.
Although the book is released by Moody Publishers, you won't find much in the way of strong biblical references, unless some verses apply directly to finances, such as Proverbs 22:7 and Romans 13:8 (found on page 147). This book has obviously been designed to be a "crossover" product. This does not make it any less accurate or valuable, but it does mean that what is pragmatic often takes precedent over that which could have been a great opportunity to show God's lessons about stewardship, tithing, and accountability. Overall, it's a very helpful book, nicely organized, honest and direct, and often very entertaining. Dr. Dennis E. Hensley, Christian Book Previews.com
Marigold82Age: 25-34Gender: female5 Stars Out Of 5Excellent resourceMarch 4, 2012Marigold82Age: 25-34Gender: femaleQuality: 5Value: 5Meets Expectations: 5This is a great book with some great tips. She's been there and done it. She walks you through how to switch to one income step by step. Thanks Ellie Kay!
lowerypamAlbemarle, NCAge: 55-65Gender: female2 Stars Out Of 5February 10, 2011lowerypamAlbemarle, NCAge: 55-65Gender: femaleQuality: 2Value: 2Meets Expectations: 2Not worth the money. Not at all what I wanted. Would not buy another one of her books.