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Living Rich for Less: Create the Lifestyle You Want by Giving, Saving, and Spending Smart [Kindle Edition]

Ellie Kay
3.2 out of 5 stars  See all reviews (13 customer reviews)

Print List Price: $16.99
Kindle Price: $9.99
You Save: $7.00 (41%)
Sold by: Random House LLC

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Book Description

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?

From the Hardcover edition.

Editorial Reviews


"Suze Orman, you’ve got a powerhouse who just moved in next door! Ellie Kay is a financial expert whose time has come. Her advice is for Mr. and Mrs. America and not just Wall Street. If you live on Main Street, you need to meet your new neighbor, Ellie Kay, who’s spiked the Koolaid with the wakeup juice that mainstream America needs in order to survive today’s money woes and tomorrow's future challenges. I love this book more than a bowl of fat grams.”
Dr. Kevin Leman, best-selling author of Have a New Kid by Friday

"Ellie Kay makes complicated financial concepts understandable. Heeding her advice will give you an extraordinary quality of life as you learn the secrets of living and giving in a way that multiples your resources.”
Carol Kent, best-selling author A New Kind of Normal and president of Speak Up Speaker Services

“We feel richer already! Ellie Kay gives a billfold full of ideas to help place more money back into your pockets! With three kids in college, and retirement on the horizon, Ellie’s wisdom is a wealth of encouragement, comfort, and practical proven helps.”
Pam and Bill Farrel, international speakers, best-selling authors of Men are like Waffles, Women are like Spaghetti, and Ten Best Decisions a Couple Can Make

“Ellie work, helping us be better stewards, is one of the great services to families across our nation.”
Dennis Rainey, executive director and radio host of Family Life

“Ellie is amazing! I don’t think she ever sleeps! She provides great information and is always a fun guest on the show.”
Bill Griffith, host of CNBC’s Power Lunch

“Ellie is the gateway to mainstream America.”
Marc Myers, money columnist, Reader’s Digest

“A splen...

About the Author

Ellie Kay is the bestselling author of Half-Priced Living and eleven other titles, including A Tip a Day with Ellie Kay and The Debt Diet, with more than 350,000 books sold. She’s a regular tele­vision guest on CNBC’s Power Lunch, Fox News, and CNN; and has been the featured family finance expert in numerous magazines and newspapers, including Family Circle, Women’s World, and USA Today. Her financial help columns appear in a dozen periodicals and online, including A popular speaker, she’s Wal-Mart’s official financial help expert, and has served as a consumer educator and official spokesperson for Proctor & Gamble, Visa Providian, MasterCard, and more. Ellie and her husband, Bob, are the parents of seven children and live in Palmdale, California. Visit her website at

Product Details

  • File Size: 1053 KB
  • Print Length: 240 pages
  • Publisher: WaterBrook Press (December 16, 2008)
  • Sold by: Random House LLC
  • Language: English
  • ASIN: B001MYA3AU
  • Text-to-Speech: Not enabled
  • X-Ray:
  • Lending: Not Enabled
  • Amazon Best Sellers Rank: #848,140 Paid in Kindle Store (See Top 100 Paid in Kindle Store)
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Customer Reviews

Most Helpful Customer Reviews
27 of 29 people found the following review helpful
1.0 out of 5 stars Not worth a read March 13, 2009
By Pandy
Since the recession is hitting most of us, I went to the library looking for books that would help and offer some sound advice. I loved the title of this book so I picked it up along with a few others.

This was by far the least helpful. The author provides almost no tips on how to spend smart. She tells us to save 10% of our income, donate 10%, and spend 80%. I already donate to charity, I already save, I wanted advice on how best to save and how best to spend the remainder of my income. This book offered no advice for that.

I admire the fact that Kay dug herself out of $40,000 in debt, but while reading the book you discover part of the reason why is that she was a winning contestant on the Price is Right and took home thousands!

Books like Frugal Living for Dummies are much more helpful.
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16 of 17 people found the following review helpful
1.0 out of 5 stars Waste of Time March 13, 2009
This book gives almost no information on how to live rich for less. In fact, it reads like an infomercial complete with customer testimonials. The book is filled with cute little stories that offer no practical advice.

The entire book can be summed up with Kay's 10/10/80 principle - donate 10% of your money, save 10%, spend the other 80% wisely. That's it. Her advice for spending the other 80% wisely is essentially use the Internet to find good deals, use coupons, buy on sale, and negotiate. There are many other books that cover these same topics but in much greater detail.

I was also turned off by Kay's product placement. She has been a paid spokesperson for Proctor & Gamble and others and it shows. She tells consumers to buy Dawn dish soap because it is ultra concentrated so it lasts longer, but most stores have generic versions of ultra concentrated soap that works just as well and lasts just as long (and is much cheaper). She also pitches another PG product, Bounty paper towels, and I've used other less expensive brands that were just as good. But Kay never recommends buying the generics of these products. I do not think a paid spokesperson should offer supposed unbiased advice.

If the book offered other great tips or advice I could have overlooked the product pitches, but unfortunately it didn't.
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7 of 7 people found the following review helpful
2.0 out of 5 stars You can do better with your money. May 6, 2009
There are books out there that offer much more savvy advice about spending, saving, and investing. Without the whole picture, you really are selling yourself short. The investing section of this book truly lacks in substance (aptly called "Investing for Idiots") and the advice offered throughout the book in general is way too elementary and superficial. For the most part, one gets the feeling that the author is much more interested in trying to trademark ideas or come up with "clever" catchphrases than to educate the reader (some ideas she is trying to assert ownership to have been around forever...for example, the 10/10/80 concept which is most often attributed to John D. Rockefeller, Sr.). There are some things in this book that may be helpful to those just starting out in the grown-up world or those never having confronted budgeting or saving before, but please pick up others to supplement. (And, please, save your money and get it from the library.) Suze Orman's books tend to be more encompassing and provide more concrete information and processes to sink your teeth into. You'll likely have to read many authors though and take from each one's thoughts and teachings to put together your own plan and method that works for you.
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11 of 13 people found the following review helpful
1.0 out of 5 stars Rubbed me the wrong way. April 30, 2009
A good message with several irksome points...examples include "won $20,000 (worth of stuff) on the Price is Right" and "I don't like to use words like cheapskate." She probably doesn't like cheapskate because all she does is tell you Mary Hunt's ideas and say things like "I came up with the 10-10-80 rule..."
She made her own baby wipes for SEVEN kids, but she buys BOUNTY paper towels to make them????
Anyway, the message is give 10%, save 10%, and spend the rest wisely.The MESSENGER sounds like a plagiarist and a best-SELLING author. So I guess the real key to success is to actually use these principles to turn your life around, and then write a book about how these ideas you came up with allowed you to become a writer.
(R)edeem,get(I)nstruction,(C)ommit,and never give up (H)ope, and before you know it, you'll be so RICH you'll be saving "$2500 per couple" on that cruise you were planning on taking...when you were so broke you couldn't even pay attention. Is anyone reading this book actually going on a cruise??? I'm sure Ellie Kay a very nice lady who means well.
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1 of 1 people found the following review helpful
2.0 out of 5 stars This one under-delivers May 9, 2011
Over the last few years I've been attracted to a lot of financial books, and so when I saw this title and the plug "How you can save $30k this year," it seemed like an obvious choice. I'm not going to go so far as to say that it was a waste of time or money, but I didn't put it down feeling like it really delivered on the plug. Her basic advice - the big reveal about how you can live on less - was her 10/10/80 principle. Save 10%, give 10%, and live on the other 80%. Thanks, Ellie. I already knew that.

The rest of the book contains stories about how she saved a lot of money in her own family, but not all the scintillating examples would work for every family. Practical, yes. Applicable, not always. If you read Living Rich on Less, you will walk away from the book with some tips that you can immediately put to use (like using to get alerts on great travel deals, just one of the numerous Cha-Ching Factor tips Ellie Kay provides throughout the book), but don't expect to be blown away with much more than hit-or-miss tips that may or may not work for you.
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Most Recent Customer Reviews
3.0 out of 5 stars I dare you to save $30,000 a year
"There is a rich lifestyle imbedded in your paycheck." (p. 2). The author continues the average U.S. family income is $48,000 with 85% of the population (household? Read more
Published 9 months ago by C. Wagner
4.0 out of 5 stars Practical advice for money and life
The first thing to say about Ellie Kay is that she grew up in Fort Worth! So of course I'm going to love a book by a Fort Worth girl! Read more
Published on April 27, 2012 by Paul A. Mastin
5.0 out of 5 stars same fun author, updated info
A few of the stories are in her previous books and she follows her usual theme, but there's enough new that I am glad I made the purchase. It's like the Ellie Kay remix. : )
Published on January 19, 2011 by Catherine
4.0 out of 5 stars A Spoonful of Sugar with this Medicine. Can Money be Funny?
I'm not going to lie. I hate financial stuff. Not that I don't have reason. On paper I've BEEN worth a million... Read more
Published on January 4, 2009 by Kelly Klepfer
5.0 out of 5 stars Upbeat Financial Planning For Families
Ellie Kay's "Living Rich For Less: Create the Lifestyle You Want by Giving, Saving and Spending Smart" offers useful tips written in a friendly style. Read more
Published on December 30, 2008 by Terra Hangen
5.0 out of 5 stars Practical yet enjoyable guide to managing your money
Living Rich for Less by Ellie Kay is the rare completely enjoyable self-help book. Kay, who is well known for her financial know-how and down to earth ideas, writes like your best... Read more
Published on December 18, 2008 by Christina Lockstein
4.0 out of 5 stars Practical & Helpful Family Financial Book
Living Rich for Less is the practical tips book of ways to give, save and spend smart even on a modest salary. Read more
Published on December 17, 2008 by Brian Dolleman
5.0 out of 5 stars Manage Your Finances with Advice from Someone Who Has "Been There"
Money is always tight during the holidays, but never more so than now with the economy spiraling downward so rapidly and no upswing in sight. Read more
Published on December 16, 2008 by Connie Y. Mishali
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