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Debt-Proof Living: The Complete Guide to Living Financially Free, by Mary Hunt
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Personal finance expert gives readers a proven plan for getting out of debt and staying that way.
- Sales Rank: #1353111 in Books
- Published on: 2000-01
- Original language: English
- Number of items: 1
- Dimensions: 1.02" h x 5.32" w x 8.34" l,
- 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
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!
30 of 32 people found the following review helpful.
Do yourself a favor - read this book!
By Book Reader
Mary Hunt's "Debt-Proof Living" is one of the books that all families should read and then put the concepts into action. We used an earlier version of this book to get our expenses in control and I used that book to teach a class about handling their money. People that were desperate about their money problems were finally able to be optimistic about how to take control. It will help you learn how to set up a "spending plan" and to maintain your money so you will have it for both necessities and for things you really want. You should read this book but also think about getting her "Debt-Proof Living" newsletter. Be an online subscriber so you can take advantage of the fantastic Toolbox and calculators. Go to [...] I used her "Rapid Debt Repayment Calculator" to first be totally shocked at how much interest we would have to pay for the credit card debt and how long it would take to pay it off. We then used it to figure out how we could pay it off much faster and we saved over $14,000 in interest plus now enjoy the freedom of being "out of debt"! Now is the time to get control of your finances and this book will tell you how to do it!
5 of 5 people found the following review helpful.
really really helpful!
By Doreen D.
as a recovering shopaholic, mary hunt's book is a lifesaver! she reall knows what youve been thru and her debt was 10 times worse then mine! and she now lives debt free, and debt proof... which is an amazing inspiration. she really details exactly how to get out of debt, and then prevent from slipping back into debt once your paid up - which she describes as only the starting point! amazing new ways of looking at money management, and really sensible - i dont agree with all her ideas, but most of them are really helpful, and if you are in debt or just got out of debt this book is a must read!!!! she is an amazing woman - with a great humourous and fun to read writing style... i flew thru this rather large book in a matter of weeks... defiantly worth it!!
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