Spend Less Than You Earn, a Free eBook (PDF)

My mission on this blog, and one of my passions in life is to encourage people to live within their means and kiss debt goodbye. A few weeks ago a like-minded blogger, Jason of Live to Budget, invited me to participate in an ebook about living within your means. The ebook, Spend Less Than You Earn, is completed, and it’s full of practical tips to help you cut your budget, without sacrificing your lifestyle. Chapters include tips on making a budget, reducing the power bill, looking fabulous while being frugal, and much, much more.

Bloggers who contributed to Spend Less Than You Earn are:

You may download your free copy of Spend Less Than You Earn by clicking the following link (PDF) and saving it to your computer. (Just hit the save icon when the PDF opens.)

All content in this free ebook is copyrighted by the individual authors. However, feel free to publicize and distribute Spend Less Than You Earn, as long as the ebook is free and unaltered.

I hope you enjoy our gift to you! Let’s make 2009 the year we take control of our spending and make huge strides to reducing debt!

A huge thanks to Jason from Live to Budget for putting this project together!


By , on Dec 10, 2008
Lynnae McCoy I'm Lynnae, wife of one and stay-at-home mom of two. I'm committed to getting out of debt by being frugal with my choices in life.


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  1. Jason:

    Thanks for taking part in this Lynnae! I think the posts everyone contributed came together really well, and hopefully it will help lots of people with their finances.

  2. Angelsong:

    This is a wonderful resource, and excellent timing. 2009 will begin on a saving note for our home and family. Thanks so much!

  3. CJ:

    Just did a quick scan through the e-book and have saved it to favorites. It’s chock full of easy and excellent information.

    Let the SAVING begin!!

  4. Thanks for the great resource!

    I think the living below your means (and the associated idea of spending less than you earn) are critical mantras and I try and adhere to the principles each and every day. I learned about spending and living via my parents (like many people) and here’s a quick entry I did on my Italian parents and their money habits:


  5. Jb:

    Excellent work Lynnae! I’m excited to see what everyone has to say, and from the quick scan of the table of contents, I’d say it’s got plenty to say. Thanks!

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I'm just an average mom, trying to live a frugal life and get out of debt. I write about things that have (and haven't) worked to improve my family's financial situation. What works for me may or may not work for you, and you should always consult a financial advisor before making important financial decisions.

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