Living Rich For Less

Time for another book review. This one is a bit different in that it is not specifically a Christian life book. However, it is very much Biblical.

Author, Ellie Kay, strongly advocates a tithing principle of giving away at least 10% of your income to worthy causes. She specifically states the local church as one of the best options. She even goes so far as to encourage participation in a local church beyond simple attendance. Her well-rounded approach to giving includes time and talent and not just finances.

One of the things that most impressed me about this book is she wrote it from their own personal experience of achieving financial stability and success on one average middle class income. This isn’t written by someone who got out of debt through a series of unusual business dealings or windfalls. We aren’t presented with the opinions of someone who never experienced the stress of too much consumer debt and more month than money.

The Kay family’s story is one that most any average American can relate too. They even had to deal with child support payments. They had a larger than average consumer debt level. Through all of of this they were able to change their habits and their thinking and find a good balance of spending, giving, and saving.

This book is practical and it is doable. It is not out of reach or out of touch as some financial books can be. It is not a get rich quick scheme or even a become the next millionaire book. No, this is a book that will motivate you to make the most of your resources and find that you can do more with what you have than you ever dreamed possible. It is easy to follow and gives real answers and real ideas without presenting a plan that most cannot live with.

I recommend this book to anyone who is looking to infuse a better balance to their finances. If you are drowning in debt and can’t seem to catch a break, this book will help you. If you are living paycheck to paycheck, this book will help you. For those who are making it fine, but just know they are not doing all they could, pick up a copy of this book. If you look at your finances and wonder why you don’t have more at the end of this month or just aren’t sure where your money is going, read this book.

I have two copies of this book I would like to give away. Here is how that is going to work: one will go to the first person to email me ( with your name and address where you would like the book sent. The second one will go to the first email I receive from a high school junior or senior that will promise me to read the book. The principles in this book should be taught and given to young people to help them avoid the traps that grip so many adults. Again, send your emails to and don’t forget to include your mailing address.

Book summary from the Publisher:

You really can be rich in every way, every day.

So you want to own the home you love, make memories on wonderful vacations with family or friends, finance college educations, and help others too?

You can—starting here and now.

With lively humor, proven know-how, and practical principles for financial health, Living Rich for Less helps you stretch your dollars to realize the lifestyle of your dreams. Ellie Kay’s entertaining and enlightening examples show you simple steps to save, spend, and give smart, and her three main principles are undergirded by dozens of effective rules and hundreds of Cha-Ching Factor™ tips that keep or put money in your pocket.

Ellie knows what it’s like to be financially-strapped or struggling, wanting to be the Joneses but feeling as poor in spirit as in pocketbook. She went, within two and a half years, from being a new wife and mom with $40,000 in consumer debt and seven children (and college educations) to support, to being completely debt-free and within fifteen years able to pay cash for eleven different cars, give away three of those cars, buy two five-bedroom houses (moving from one to the other) and nicely furnish each, take wonderful vacations, dress her family in fine fashion; and support more than thirty non-profit organizations in more than a dozen different countries, giving away more than $100,000.

Isn’t that the kind of transformation to a rich life that you want?

Living Rich for Less helps anyone get there in our taxed-out, maxed-out times. Because financial security doesn’t mean just genuine prosperity, but being able to live luxuriously, give generously, and care for yourself as well as the others around you.

Why keep up with the Joneses when you can be them?

Purchase this book at

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