Will the Joneses be able to keep up with you?

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?

Ellie meets her audiences-mainstream Americans who earn between $40,000 and $100,000 annually-right where they are financially. She teaches them sound money habits that are do-able and will stretch their dollars for the lifestyle of their dreams. Her latest title, Living Rich for Less (Waterbook/Random House, January 2009), sets forth her 10/10/80TM Rule:

Give away 10 percent of your income, save 10 percent, and spend the last 80 percent wisely.

Hundreds of Cha-Ching FactorTM tips that show readers how to keep and put more than $30,000 in their pockets in just one year.

Married for 22 years to Bob Kay-a former Stealth fighter pilot who is now a test pilot for a military contractor-and proud mom of a son at the United States Naval Academy in Annapolis, Ellie especially understands the financial circumstances of military families. One of her bestselling paperback and audio books, Heroes at Home, has been distributed to military families around the world under a presidential initiative and was a Audiofile’s Book of the Year finalist. A columnist for Military Money and Military Spouse, Ellie also regularly contributesEllie Kay and husband Bob Kay financial know-how to Operation Homefront’s website. In 1998 she received the Army’s highest civilian medal, the Dr. Mary E. Walker Award, for outstanding dedication to improving the quality of life for soldiers and their families.Frequently sought out by journalists, Ellie has appeared on or in hundreds of media outlets, including The New York Times, USA Today, CNBC, CNN, Fox, NPR, Redbook, Women’s Day, Family Circle, Reader’s Digest, and Parenting Magazine.

Ellie is also the consumer finance educator for Wal-Mart, showing shoppers how to make the most of every dollar, as well as for two of America’s leading brands, Procter & Gamble’s Dawn dishwashing detergent and Bounty paper towels. Previous corporate clients include Washington Mutual, Visa Providian, Entertainment.com, GMAC, OnStar, MasterCard, and EhealthInsurance.com.



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