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Personal finance expert gives readers a proven plan for getting out of debt and staying that way.
- Sales Rank: #429109 in Books
- Brand: Hunt, Mary
- Published on: 2014-08-05
- Released on: 2014-08-05
- Original language: English
- Number of items: 1
- Dimensions: 8.50" h x .80" w x 5.50" l, .74 pounds
- Binding: Paperback
- 320 pages
Amazon.com Review
There are plenty of heavily pedigreed personal-finance experts dishing out good advice, but not many who know what it's like to have to eat ramen all month to make a car payment. On the other hand, there's Mary Hunt, a recovered credit card addict whose free-spending ways landed her family in the middle of $100,000 of unsecured debt in the early 1980s. Pulling herself out of that morass gave Hunt the courage to strike out on her own as a writer, motivational speaker, and the brains behind The Cheapskate Monthly, a newsletter and Web site (www.cheapsk8.com) dedicated to promoting the art of living within one's means, a message that grows ever more urgent as the average American family struggles each year to pay $1,200 in interest alone on revolving, unsecured debt.
While Hunt's previous books have echoed some consistent themes--debt bad, saving good--they've addressed a hodgepodge of different areas: building financial confidence in women and kids, doing Christmas without a stack of credit cards, tips for gourmet cooking at low cost. In Mary Hunt's Debt-Proof Living, Hunt finally puts together a financial primer for all--whether retirees trying to decide when to start drawing Social Security or teenagers ready to sign for their first college loans. Security, according to Hunt, is built with simple tools: tithing, saving, paying off debt, creating a contingency fund for emergencies, driving used cars, owning a home, having insurance.
Although Hunt's "been there, spent that" zeal and warmth have turned her into the Ann Landers of personal finance, she's not just an agony aunt for spendthrifts--business experts will find her a savvy marketer who's using her name and story to build, somewhat ironically, a very effective brand. That doesn't negate her sincerity, however, or the fact that her advice is sound, her formulas work, and her Rapid Debt Repayment Plan has kept increasing numbers of families out of bankruptcy. And finally, Mary Hunt's Debt-Proof Living is just a joy to read--its clarity and lack of condescension make it a perfect gift for anyone just starting to understand the basics of money. --Barrie Trinkle
From the Publisher
This All-New and Revised edition of Debt-Proof Living reflects changes in the economy and consumer credit industry, while retaining all of the relevant content that has kept this book a bestseller since its original release in 1999.
From the Back Cover
"I would have had no idea where to start if I had not read this book."--Denise J.
"Debt-Proof Living was our salvation, and now it is our daily living reference."--Kathy W.
"Because of Debt-Proof Living I have completely changed my thinking about money."--M. J.
"You have changed my life."--Beth G.
Mortgages, credit card balances, student loans, car loans, and home improvement loans have become a way of life. All that debt is putting not only our present at risk as we live paycheck to paycheck but our futures in jeopardy, as shockingly few of us have enough put away for retirement. But personal financial expert Mary Hunt wants you to know a radical but simple truth--you really can get out of debt and stay out of debt--for the rest of your life.
If you have been struggling to pay the bills, if you feel like you just can't make your finances work, if you feel like your money situation is getting out of control, you need this book. It can change your life, just as it's changed the lives of hundreds of thousands of others already.
Mary Hunt is an award-winning and bestselling author and the founder and publisher of Debt-Proof Living. Her books have sold more than a million copies, and her daily newspaper column, Everyday Cheapskate, is nationally syndicated and enjoyed by hundreds of thousands of readers. Hunt speaks widely on personal finance and has appeared on shows such as NBC's TODAY and Dr. Phil. She and her husband live in Colorado. Learn more at www.debtproofliving.com.
Most helpful customer reviews
44 of 44 people found the following review helpful.
A practical guide that I am still using 5 years later
By FliBBiTyFlooB
In 2000, I left Graduate School with over $20,000 in debt from a student loan, car loan, and credit card bills used to pay for groceries during my graduate studies. ($800/month is not a lot to live on!)
I didn't learn any sensible budgeting techniques in high school, college, or graduate school. I decided I needed to learn to handle my money better and needed to get out of debt. I found this book at the Christian bookstore and purchased it. It revolutionized my financial thinking. It took about 18 months for me to get out of debt, and I have stayed out of debt since.
1. KEY THOUGHT: The Freedom Account. To this day, I still use a Freedom Account. I am married now, but my husband and I have a freedom account fully stocked for a new car in our future, health care, flood insurance, home insurance, car deductibles, etc. It is so freeing to realize you have that money set aside for things that may well/are going to happen. A great technique.
2. KEY THOUGHT: The RDRP (rapid debt repayment plan). So many people tell you you should pay off your highest-interest debts first. To me, it was motivational to start with my smallest debts. It was like a steamroller taking the money that I once was paying for debt A and sending double,triple, or quadruple payments to debt b. I really liked this technique! Currently, my only debt is a house mortgage. I use techniques I learned from the RDRP to pay down my mortgage early as well. I usually make more than twice the monthly payment so I can end my 30 year mortgage within 8 years.
3. KEY THOUGHT: Save 10%, Give 10%, Live off 80%. I really liked that Mary had her 80/10/10 rule . I think it's so important to realize that you have to save and give while still paying off debts. It was a very unique view, and refreshing!
I really think people will enjoy this book. I also subscribed to Mary's Cheapskate Monthly newsletter for several years as I got my finances in order. One nice thing there is as a subscriber you can have access to all the previous issues! I learned about many things there not covered in this book: Price Books, Once-a-month Cooking, Maximizing Food Dollar Value, etc. Fascinating reading :)
I hope I've helped someone... At the very least, you could check tihs book out from a library to read... but, you will likely find that it is well worth the price to buy it!
103 of 110 people found the following review helpful.
Mixed Opinion
By Sonja
The Good:
Hunt's book has a lot of great information that for the most part is clearly written. She covers everything from credit reports, to mortgages, to insurance and how to save money in these categories. The plan she leaves us with in order to get out of debt is a strong and solid one, that still allows you to have a life and actually create a savings plan wbile paying off debt. Using an RDRP calculator I designed for myself, I was pleased to see that I can pay off my $32,000 of debt in six and a half years, not taking into account and tax refunds, or raises beyond the cost of living increases I may take in.
The Bad:
As with any book that tries to get you to change your life, you need to pick and choose the ideas that best suit you and fit your lifestyle. Hunt tells us we should give 10% of our money away, in a sense back to God. Among other reasons, this is to feel more connected with the world. She states a few times how people write in saying that they'd rather give their time and how Hunt feels this runs counter to the principles of giving away money. I for one, feel much more connected to the world when I am volunteering - writing checks and putting them in the mail is what you do to those evil credit card people you're trying to get rid of.
Another GLARING frustration I had with the book was all the shameless plugs to her website. Not because I am against shameless plugs, but because in order to ACCESS the features she mentions, you have to buy a subscription! Key to the whole book is her Rapid Debt Repayment Plan (RDRP) which, as she puts it on her website, can be a very complicated thing to figure out on your own. If you have rudimentary knowledge of a spreadsheet program, such as excel (and no, you don't HAVE to be a financial whiz to figure it out), know how to use formulas and even hide columns, you can crete a RDRP for yourself and save yourself the $20 yearly subscription.
I found this caveat frustrating because it was not stated in the book that this was a subscription source (perhaps it wasn't when the book was published). So if you buy this book and can't figure out excel for yourself, you could easily spend almost $40 in no time that isn't going towards your credit payments. This issue made me question the line Hunt walks between her capitalistic enterprise (which she admits she loves) and her desire to truly help those of us out there with debt. What about giving 10% back to her readers?
38 of 39 people found the following review helpful.
This book will change your financial life!
By A. Bausher
Pros: Common sense advice that anyone can follow! It WILL help you get your finances in order and help you change your perspective about the monetary side of life. They should make this a mandatory class for high school and/or college students. The website is extremely useful, as well.
Cons: For me, it was disheartening that I could not put the spending plan into immediate action. For someone who is in serious trouble, the advice she suggests may seem too daunting and too difficult to follow. I do not think this is a flaw on Hunt's behalf, but is more an indicator that people with high debt who are spending beyond their means truly need to make more serious and drastic changes to their way of living.
I have posted my personal experience with Hunt's Debt-Proof Living for you if you'd like to read about the positive possibilities that following Hunt's plan offers.
I read Debt-Proof Living two years ago. At that time, we had about $30,000 in credit card debt, we were paying nearly $3000/month on our mortgage, and my husband and I were both driving around in gas-guzzling shiny vehicles. The financial strain was beginning to take it's toll, putting strain on our relationship, our health, and on every aspect of our life. We were living beyond our means, sinking fast, and I reached for this book in desperation.
We were unable to start the spending plan right away because we did not have money to start it with. Every paycheck that came in went right out to keep bills paid just barely on time. As Mary suggested, this was a warning sign that we were living beyond our means and would need to make more drastic changes in order to get to a financially secure place.
First, we traded in my gas-guzzler for about $9000 and I bought a more economical $4000 used car. I still have it, and other than routine maintenance, we have incurred no other cost with it. It also cut our gas expenses significantly. We used the money to make some home improvements so we could put our house on the market. Unfortunately, it took almost a year for our house to sell. All the while we were now falling behind on our mortgage payments and incurring even more credit card debt maxing them all out at $50,000 before it was all said and done.
We finally sold our 3 acre, 4 bedroom, 4 bathroom home last August, we sold a lot our stuff, or just got rid of it, and we moved to a much more modest 3 bedroom, 1 bathroom home, with a small back yard. (I LOVE it!) That cut our mortgage payment by more than half, not to mention cutting my cleaning time by half, too. I took on a part-time job and my husband picked up some extra hours.
This year, we finally got to the place where we could use our tax return to fuel the spending plan suggested by Hunt. It is working like a dream! No more credit cards. We pay cash. If we can't pay cash for something, then we don't get it. We have a savings cushion for unexpected and expected emergencies. This is how it should be. Everyone in my family is happier!
While we are not out of the woods yet with the debt we have accumulated, we can see the light! Even better, if we stick with the spending plan, we will have our home and all of our debt paid off in just 9 years, saving over $100,000 in interest. It will take discipline, but it will leave us with about $40,000 a YEAR just burning a hole in our savings account!
While a total of eleven years, including the two years it took us to get this far, might seem like a long time to get out of debt, had we taken no action, we would have lost our home, and eventually would die of old age and still have the debt! It makes eleven years seem easy!
By following the plan, I have learned just how materialistic and foolish I had been with money. I learned that my family is just as happy, if not happier, with much less "stuff" and space than we had. I have learned to view society in a whole new light, realizing that we are over indulgent and need so much less than we think we need.
What is most important to remember when reading this book is that it is simple, common sense advice for a long term plan. The results that may or may not be seen instantly depending on your individual situation. But ANYONE can improve their financial outlook by following the suggestions in this book.
Ultimately, this book does not give you a band-aid to fix the boo-boos. It gives you a cure!
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