by Jeff Yeager
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Product Description
It used to be that “stuff” made you cool. That is so twentieth century. Jeff Yeager, the man dubbed The Ultimate Cheapskate by Matt Lauer on Today, offers a completely fresh take on personal finance, teaching us how to enjoy life more by spending less. He will show you how to buy less stuff, retire young, and live financially free, while you make a positive difference in people’s lives and save the planet along the way. The Ultimate Cheapskate’s Road Map to True Riches lays out the practices and principles that have made cheap the new cool.
Live within your means at thirty and stay there. The Ultimate Cheapskate was living well on what he earned at thirty, so when he made more money, he saved every penny. Now he is “selfishly” employed, doing work he loves and helping others.
Do for yourself what you could have others do for you. Cheapskates are die-hard do-it-yourselfers. It’s all about having the right tools, and The Ultimate Cheapskate will get you started.
Pinch the dollars and the pennies will pinch themselves. It’s not the $3 cup of coffee; it’s the big-ticket decisions that determine whether you’ll be financially free. So buy a house, not a castle.
The Ultimate Cheapskate’s Road Map to True Riches promises a quality of life you cannot buy, a sense of satisfaction you cannot fake, and an appreciation for others and for the planet that gives life value. Open your road map and prepare to discover the true joys of financial freedom.
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Average Customer Review:
0 of 0 people found the following review helpful:
 Cheap is Chic!--Learn how to live on less but enjoy life more!, 2008-10-11
Cheap is Chic and Fun too!!! That's the overall message of a truly unique book on the topic of saving money and living frugally. I thought I had read every book out there on money management and was amazed to find a book that actually had something new to say on the topic. Jeff Yeager's book, "The Ultimate Cheapskate's Road Map to True Riches" was a total surprise to me! He doesn't just show you how to save money, but he challenges you to consider a whole new lifestyle..one of truly living more and spending less. If you are tired of working long hours to earn a living, being frazzled at the end of the day, and then wondering where all the money went, then this is the book for you.
We are a family of six who has been living on the same income for 10 years. Why? Because we wanted a better quality of life than the rush-rush-spend-spend modern day rat race. We wanted to have Daddy and Mommy home more and we wanted to spend time truly mentoring and being involved in the lives of our children. So my husband turned down the lucrative business opportunity that came up right after graduation, and ended up in computer programming...from home! He has never made a lot of money in the small company he works for..but it has always been enough.
The idea of Enough is a concept Jeff Yeager really wants you to wrap your mind around. How much is 'enough' for you? JUST A LITTLE MORE... is most people's answer, according to Jeff. Just as he suggested, we discovered that by lowering that figure, we could live our lives the way we wanted to without worrying about the money so much. That is a big part of what this book is about.
On the practical side, Jeff gives you lots of great ideas on how to save money in his book. He suggests putting more energy into saving money on the 'big purchases' in life, rather than sweating over every penny. He challenges you to try the cheapest fitness program ever, "doing it yourself" which will not only save money, but should get you into shape too! There are even more great ideas packed into this little book, but he takes it one step further and that's where this book truly leaves the rest behind.
He asks us to get to the root of the problem--out of control spending-- by asking yourself a few key questions. Why do you spend money in the first place? Is money a means to an end..or the end itself? Is getting more and saving more really what defines your life? Will it make your quality of life better? In our culture, we have been advertised at and lied to and told that we need more, bigger, better, and newer to make us truly happy. We don't! Jeff Yeager is giving voice to a new revolution--the idea of skipping "the Money Step"! We need to turn off our TV's and 'just say no' to the advertisers that promote discontent.
He asks you to reconsider your pursuit of working more to save more or spend more. He wants you to ask yourself, "What would I do if I had more time?" Most of the answers we would give have very little to do with money. If we learn to live on less, we don't have to work as much or at least not at such stressful 80-hour-a-week jobs, and instead we can embark on the adventure of living life to the fullest. He suggests that doing it yourself more will not only save money, but increase your quality of life and your health. What better message could we give our kids than the self-respect that comes from being more independent and learning to 'make do' and live without. We need to teach them how to measure the value of life more by the things you do and the people you love, than by the money you make, the clothes you wear, or the car you drive.
On the minus side, I have to agree with some of the other reviewers, that even though some of the stories in his book are absolutely hilarious, the crude humor and sexual references really detract from his message. For that reason alone, as a Christian, I have to put a disclaimer on my reference. But his message of 'skipping the money step' is eye opening, challenging, and timely. He admittedly doesn't deal with the costs of child-raising and over estimates the cost of doing so. But I can promise you that his principles work with raising kids as much as any other endeavor. As homeschoolers, we discovered, years ago, that you can raise your kids on way less, even as teenagers, than what most people think.
Negatives aside, this book is worth every penny, if you are willing to respond to the challenges he gives you, to get out of the rat race and start living again. And if you want to save a bunch of money and put it in the bank..well that's fine too! But have fun doing it!
0 of 0 people found the following review helpful:
a different spin than most , 2008-09-24
What I like most about this book is the emphasis on living well by spending modestly, rather than striving to earn more and buy more. There are some helpful exercises to help put things in perspective and then to start saving.
Yeager reminds us of how good even modest-income Americans have it, and encourages charitable giving and being environmentally aware.
0 of 0 people found the following review helpful:
Good book on changing spending mindset, 2008-09-17
This is a good book for changing your mindset to learn how to happily live beneath your means. Yeager is an entertaining, in-your-face type of writer, and provides plenty of concrete examples of how to get more out of your money. The chapters on food and entertainment are very useful.
I did take away one star because:
1) the book contains a lot of unneeded profanity/sexual references--it was plenty entertaining without it;
2) it looks at children in terms of how much they will cost over time--and he could have (as a Cheapskate), looked at that figure he quotes and suggested ways to cut it down considerably;
3) Yes, divorce costs both parties money over time, but it happens.
4) His neighborhood has stayed nice all these years. That is not always the case everywhere, sometimes you have to move when a neighborhood declines.
Overall the book was good, but read with the above in mind.
0 of 0 people found the following review helpful:
 Spending less to have more........., 2008-09-10
I first learned of the book The Ultimate Cheapskate's Road Map to True Riches on Amazon.com. It was a recommended buy. I liked the fact that the book offered the "look inside" feature. I took advantage of this feature and felt confident I was buying a book that would excite my desire to improve concious spending and, consuming of our planet's resources.
Jeff Yeager shines a bright light on our consumer driven culture. We are each handed a mirror to see clearly where changes need to take place.
When do you have enough? Is the question he asks of us and, encourages us to come up with our own answer.
Jeff shares a story from his youth of being snowed in from a surprise blizzard. His family being without power and, running water for five days. During that time he and his family experienced what the American family has lost, time. Time to really be present in the moment with each other.
He allows us to see that buying more stuff is ultimately the equivalent,of selling our time.
Jeff offers many ideas on how to break the vicious cycle, which he appropiately calls the "Money Step." Jeff shares with us that when you learn to take control of your "Enoughasaurus," (His affectionate name for the consumer beast that lives within each of our hearts.); you will no longer need to dance, every dance. Taming the beast within will not only save you money; more importantly your time and, our planet.
Jeff shares his personal financial portfolio and discusses how much money is enough for him and his wife.
Jeff assures us that he doesn't expect us to embrace his every thought and action. He states ".........even if you take only a small part of my advise or do a half-assed job of it, you'll still come out ahead."
I recommend this book to anyone who would like to change their mindset on spending and, have more time to do the things that really matter. After all if we change our mindset we will literally, "Keep the Change!"
0 of 0 people found the following review helpful:
Entertaining, practical and inspiring..., 2008-09-09
Jeff Yeager's book was incredibly entertaining. I could only laugh at myself when I conducted Jeff's "What the Hell Was I Thinking?" Audit. It revealed so many ridiculous ways I had wasted money in the past. Jeff had proven me dead wrong when I thought I had already trimmed everything unnecessary out of my budget. He pointed out every pitfall I had somehow missed that kept me from maximizing my savings.
Everyone has heard Ben Franklin's quote "A penny saved is a penny earned" but how about the obvious way Jeff stated simply, "A penny saved is a penny you don't need to earn again!" As self evident as it should be, that statement hit me right between the eyes. We all work so hard everyday to earn money. However a lot of us fail to realize that if we can manage to hang on to that extra dollar in the first place the less toiling we will need to go back out and do to recover that dollar again! This book reminded me that my precious time in the future is worth far more than the things I only think I want to by now and will forget about tomorrow.
There are so many practical money saving tips included in this book, but most of all I found the book inspiring. It reminded me of the things that were truly important in life and in that being truly rich.
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