Product Description

Save Thousands of Dollars a Year

Jonni McCoy and her family are proof that you live on one income. The McCoys made a successful transition from two incomes to one while living in one of the most expensive parts of America: the San Francisco Bay Area.

Her Miserly Guidelines will help you save thousands of dollars a year on everything from groceries to electricity to insurance and household cleaners—as well as reveal the hidden costs of holding a job and common money wasters. Her practical, proven cost-saving techniques, strategies, tips, and recipes will help you live frugally without feeling deprived.

Product Details

• Amazon Sales Rank: #49456 in Books
• Published on: 2001-11-01
• Original language: English
• Number of items: 1
• Binding: Paperback
• 247 pages

Review
"Her creative attitude is inspiring and encouraging. You'll come away refreshed and determined to meet your goals." -- Pat Veretto—About.com Guide to Frugal Living

"Practical and relevant, no matter what a family’s situation... women of any or no faith tradition could find it helpful." -- Publisher's Weekly, Sept 4, 2001

About the Author
Jonni McCoy holds a bachelor's degree in Speech Communication from the University of California. She writes and presents seminars about living on less to homeschooling and women's groups nationwide. She and her family now live in Colorado.

Customer Reviews

Helped Me Save Thousands Per Year
I first read this book a few years ago when I was working full-time and thinking about becoming a stay-at-home-mom. After reading this book and putting some of the advice into practice, I cut thousands of dollars from our spending annually. For example, I used to spend $150 a week on groceries for a family of 3 (at that time). We now have 4 people in our family, and spend about $70 a week! THAT'S $3,100 A YEAR SAVED just on groceries.

Her analogy on what it costs to work as opposed to staying at home went a little overboard. But generally, her message that most American families CAN afford to live off one income came across loud and clear -- and, having been through the transition myself, I couldn't agree more!

Having led a similar lifestyle as Ms. McCoy's prior to quitting the work force, I could absolutely relate to her struggles and determination to spend less, so therefore I "heard" the advice she was giving. If you put into practice just a little of what is in this book (especially in attitde towards money and cutting on groceries), you will save thousands per year.

A previous review speaks to the fact that this book contains much information that is in other books on this subject. True, but basically they're all the same (just like workout videos!). The personality of the author and your ability to relate to their particular situation is what determines if you like the book and their advice. I personally thought Ms. McCoy was smart, determined, and had conviction, so I admired her.

I highly recommend this book to beginners!

A great resource on reducing expenses
For anyone who wishes to stay home with their family, this is a terrific resource on how to lower expenses. The author was once a senior buyer for Apple Computers, among other firms, and you can see this working experience in her thorough and analytical approach to family frugality.

The fact that the book is called "Miserly" Moms may be slightly misleading (it initially put my husband off, which is why I mention this). "Miserly" indicates stinginess, penuriousness, lack of generosity. By no means is this the message contained in this book. Rather, it shows many ways families can cut expenses in order to meet a particular goal: that of having one parent stay home with the child(ren).

In fact, the author's approach is to find those areas where she can make the biggest dent in expenses in the least amount of time. Approximately half of the book is dedicated to saving money on food, since for most families with two parents working outside the home, cutting back on food expenses offers the biggest opportunity to save a lot of money quickly.

Her first principle is not to confuse frugality with depriving oneself. The reason: if you think you're depriving yourself, you cripple your ability to make long-term changes. Rather, she presents frugality as a choice, made every day in many different ways, both large and small. (Example: Would I rather have this Starbucks coffee and muffin now or would I rather do without them, if that is what it takes to be home with my children?) This principle is reflected throughout.

There's also a great chapter in this book on raising frugal children.

I would recommend this book in conjunction with another book called You Can Afford To Stay Home With Your Kids. I felt the latter book was stronger in helping the reader to break down his/her particular monthly expenses and make a budget ahead of time. Also, I felt that book included more discussion on what would-be-stay-at-home-parents can expect once home...while it's true that there are huge emotional payoffs to feeling that you're making the greatest possible contribution to bringing up your child(ren) by being home with them, nothing but nothing is all sunshine and roses. Two funny examples these authors cite are that your children will have more opportunities to drive you bonkers once you're home with them and that if you never liked housework, you will not magically find yourself liking to scrub the toilets and you may find yourself doing it more often.

In my own case, I felt that these two books taken together made a GREAT partnership. You Can Afford To Stay Home With Your Kids has more to offer families prior to making the transition from two incomes to one (in my opinion). Miserly Moms shines in showing many, many specific ways families can reduce expenses without sacrificing quality...which of course is valuable both before and after making the transition.

Oh, yeah... I bought both books about a year and a half ago. It took about a year to lay all the groundwork, but I'm home with my two children now. The suggestions in these books helped me to lay that foundation and now that I'm home, to be able to stay there by practicing a frugal lifestyle.

Most used book on my shelf!
I don't think of myself as much of a counter-culture type. While I enjoy reading them tremendously, I've dicovered that many of the frugality books on the market don't talk directly to "my" world. I'm just a regular mom who wants to stay home with my children full-time while they're young. I'm afraid over the years of my husband and I both working, I became a bit spoiled by the luxury of living on two full-time incomes. When I decided to stay home, a lot of the things that I'm sure our mothers and grandmothers took for granted were actually quite foreign (and brand new!) to me. I learned a lot of things about cutting back and living frugally the hard way... but then I found things got a lot easier for me after I purchased McCoy's book. I was having a struggle saving money on groceries, but Jonni's common sense approaches to eating and shopping have really helped me. I suppose someone who's used to living simply and frugally may find much of this book "old hat," but for those of us who are new to this adventure, Miserly Moms is a life line that can keep our families from drowning in a sea of debt and discontent. Thanks, Jonni McCoy! After reading this book -- written from the heart of one mother to the real life of another -- I feel like Jonni has become a dear friend.