Goodreads helps you keep track of books you want to read.
Start by marking “Debt-Proof Living: The Complete Guide to Living Financially Free” as Want to Read:
Debt-Proof Living: The Complete Guide to Living Financially Free
Enlarge cover
Rate this book
Clear rating
Open Preview

Debt-Proof Living: The Complete Guide to Living Financially Free

4.06  ·  Rating details ·  329 Ratings  ·  56 Reviews
Getting out of debt is only part of the plan. The reader learns how to give, save and build wealth using the Contingency Plan and Freedom Account along with the authors sound and proven principles.
Paperback, 311 pages
Published October 1st 2005 by DPL Press (first published January 1st 2000)
More Details... edit details

Friend Reviews

To see what your friends thought of this book, please sign up.

Reader Q&A

To ask other readers questions about Debt-Proof Living, please sign up.

Be the first to ask a question about Debt-Proof Living

This book is not yet featured on Listopia. Add this book to your favorite list »

Community Reviews

(showing 1-30)
Rating details
Sort: Default
Jan 19, 2012 rated it really liked it
I read this after I had pretty much solved my debt problem, and I think reading it last out of the three I looked into was best; it gave more solid practical advice, and my favourite tip was that you should donate (she recommends 10% of your after-tax income). Oh, actually, I think the *very best* tip she gave was to make a "Freedom Account" where you allocate money every month to the predictable surprise expenditures that hit you. She also hits on some investment info at the end of the book, so ...more
Feb 11, 2010 rated it really liked it
I got the chance to listen to Mary Hunt at a conference and really enjoyed what she had to say.

Debt-Proof Living is hardly earthshaking; it's mostly like any other personal finance book in terms of what it has to say. Spend less than you bring in. Avoid debt like the plague. Give. Save and invest. Have a plan.

I do think this book offers some interesting ideas in one or two areas in particular: Mary has spent much of her career compiling and trying out ways of saving money. (She gained her reputa
Jalynn Patterson
About the Book:

Your fool-proof guide to paying off debt, planning for the future, and breaking free of our debt-loving culture.

About the Author:

Mary Hunt is the award-winning and bestselling author of more than 23 books, as well as a sought-after motivational speaker who helps men and women battle debt. She is founder and publisher of Debt-Proof Living, a highly regarded and popular consumer organization consisting of an interactive website, monthly newsletter and personal finance tools. Hunt's
Brandi (Rambles of a SAHM)
I first read Debt-Proof Living back in 1999 when it was originally published. I gained tools to not only manage our debt but ultimately it helped our family get completely out of debt. So why would I go back and read a book that I had already read? The simple answer is that our economic times have changed and with it our personal finances. I desperately needed a refresher course on all things related to debt-free living.

I was pleasantly surprised by this newly updated version of the original boo
Jul 22, 2015 rated it it was amazing  ·  review of another edition
Shelves: 2015-reads
Mortgages, credit card balances, student loans, car loans, and home improvement loans have become a way of life for the majority of us. And 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. Personal financial expert Mary Hunt wants readers to embrace the radical but simple truth that they don't need more credit or more stuff--that they can live their lives debt-free.
In her classi
Sharon Paavola
Aug 23, 2014 rated it really liked it  ·  review of another edition
Mary Hunt delightfully encourages her readers to give and save their money plus reduce their debt completely. She diligently reiterates her tips in ways that are easily understood, well defined, and lightly salted with humor. She knows her business since she has been in serious debt herself which is a consolation to anyone reading her book. Her plans sound very reasonable and she includes responses from people who have used them and succeeded. She explains financial terms with detail so the newe ...more
Aug 15, 2014 rated it really liked it  ·  review of another edition
I received a copy of Debt-Proof Living: How to Get Out of Debt and Stay That Way by Mary Hunt from Revell Publishers to review this month. It is a very informative book that was updated this year from the 1999 version. It is hard to believe but our world has changed so much in these few short years. More people, more debt, more toys and so many things that are designed to be thrown away make increasing demands on our incomes. The average college graduate is so encumbered with debt by the time th ...more
May 13, 2015 rated it liked it  ·  review of another edition
Here's the thing. If in any way I knew this was going to be the "the Christians guide to.." I would never have picked up the book. I found her numerous references to God off putting. Last I checked God neither paid my bills nor went shopping with me at Sephora. That isn't to say that she didn't have great ideas (freedom account is SO smart!). But I can't possibly give away 10% of my monthly income bc then what would I eat? Who would pay the bills, etc? I found that to be an unreasonable request ...more
Erin Plank
Jan 27, 2011 rated it really liked it
this is a book everyone should read!
Jane Baker
A female Dave Ramsey? Great starter-to-fiance read. A lot of American (not applicable in this country stuff towards the back that can be skimmed or skipped). Like the contingency and freedom accounts. Dave Ramsey call it the 'debt free snow ball' and the 'emergency fund'.
Amanda Himes
The best tip was on setting up a Freedom Account, linked to a regular checking account, so that a person can set aside money each month for irregular bills (car repairs, property taxes, etc.) with spreadsheets to help in the planning.
Feb 13, 2018 rated it really liked it  ·  review of another edition
As this book has been so helpful over the years for me. This time around I just went over the highlighted points and used the chapters I wanted to review and remind myself of tools I wanted to implement again. Always a good resource and one that I have bought and shared with family to help them.
Jennifer  (BTH Reviews)
Nov 21, 2016 rated it did not like it  ·  review of another edition
Shelves: netgalley
Very little original practical advice (for the average Joe with limited funds) and a lot of preaching. The blurb should warn people this is a religious book.
Jul 28, 2014 rated it really liked it
I was pretty excited to see that this was available through NetGalley – even though I own an older edition in print that I have yet to read. While the fundamentals of debt-proof living don’t change, Mary has very, very slightly modified her advice on some of the topics listed in the books (like annual fees on charge cards) since the last time she wrote, so it will be interesting to go to back to my print version for reference and see what all has changed.

While I found Dave Ramsey’s approach to
Jennifer Clausen-greene
Jul 30, 2014 rated it really liked it
Mary does a wonderful job really breaking down financial terms and giving us examples of them in practical applications. I think the most important thing a person needs to learn about debt proof living is knowing how interest rates affect your overall balances and Mary did a wonderful job explaining this concept. We live in a world where our 18 year old mini adults that have just left the nest and going off to live on their own for college for the first time are practically handed a credit card ...more
Victor Gentile
Aug 06, 2014 rated it it was amazing  ·  review of another edition
Mary Hunt in her new book, “Debt-Proof Living” published by Revell shows us How to Get Out of Debt & Stay That Way.

From the back cover: Mortgages, credit card balances, student loans, car loans, and home improvement loans have become a way of life for the majority of us. And 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. Personal financial expert Mary Hunt wants readers to
Aug 15, 2014 rated it it was amazing  ·  review of another edition
Overtime, most of us acquire debt. For most of us, it is student loans, credit card debt, and mortgages. Then there are those like my husband and I that did the stupid not pay the bill debt that we are now trying to pay off. We live paycheck to paycheck. We don’t have a savings account. We want to get out of debt. So, I turned to Debt-Proof Living, by Mary Hunt.

Debt-Proof Living is a GREAT resource on what the different types of debt are, and how to overcome them. Mary in chapter 13, explains th
Jul 27, 2014 rated it liked it  ·  review of another edition
Author: Mary Hunt
Publisher: Revell Books
August 2014
ISBN: 978-0800721459
Genre: Nonfiction / Money issues

Mortgages, credit card balances, student loans, car loans, and home improvement loans have become a way of life for the majority of us. And 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. Personal financial expert Mary Hunt wants readers to embrace the
Julie Gazca
This was a very helpful book on living debt-free and happier.
I had 2 concepts that I really will adapt to my life: the 80-10-10 rule, which states that you live off of 80% of your income, 10% goes to savings, and the other 10% goes to tithing or giving; and the rapid debt repayment plan, which allows you to pay off debt quickly by paying the same amount of debt month after month, paying off debt and then merging money onto the next debt on the list (it makes more sense if you've read the book,
Jul 27, 2014 rated it it was amazing  ·  review of another edition
Shelves: 2014-reads
I was fortunate enough to have received an advanced copy of this book to review, and when I opened it I realised its an update of a book I already own!
Mary Hunt offers the reader strategies for getting out of debt and creating a financial plan that helps to keep you out of debt. As with most good personal finance books, the first step is to admit you have a problem and to see figure out how big a problem you have, then start to use the information to start the journey to a sensible debt level.
Jul 29, 2014 rated it did not like it  ·  review of another edition
"Debt-Proof Living" by Mary Hunt is a book that is about getting out of debt and investing. Now if you notice I did not say its about staying out of debt, that is one of my big issues with this book. She talks about getting out debt and says we should stay of it but then in one chapter she talks about how to keep a good credit score. If the main portion is getting out of debt then why do we care what our debt score is. Overall I still did not like this book, it seemed like a book that was rehash ...more
Christina Joyner
What a wonderful book for young married couples. Mary gives excellent advise on the needs of the man and woman in a marriage. How to work together to create a budget. Simple tips to keep track of your spending for a month so you will know where your money is going and how much to budget for. Her plan is easily. You pay off all your debt, have a fund for emergencies, have fund for annual expenses, etc. she also gives suggestions to stay out of debt once you are debt free. I love her Christian per ...more
Jun 07, 2011 rated it really liked it
I read this book for the first time about 3 or 4 years ago and I revisit it often. This is an excellent book to help you develop a plan to get out of debt and take control of your personal finances. Very reminiscent of Dave Ramsey's approach but not as "strict" in the sense that Mary's plan allows for funding an emergency fund while simultaneously paying off debt and she suggests that one credit card handled responsibly is actually convenient to have while Dave's plan does not allow for either. ...more
Rebecca Thompson
Jul 30, 2014 rated it really liked it  ·  review of another edition
Shelves: netgalley
Solid financial advice that provides a decent alternative to the Dave Ramsey plan that seems to have taken over the world. Hunt recommends a 10-10-80 approach to finances, where you give 10%, save 10%, and live on the remaining 80% of your net pay. She suggests first funding a $10k contingency fund, then saving toward other goals. She also gives solid information on various aspects of your financial life, including credit cards, credit score, mortgages, and student loan debt.
Feb 26, 2010 rated it liked it
I learned so much from this book! I read it in 2 days! Mary Hunt had some amazing ideas on how to get your debts down fast and easy but also to keep from ever being in debt again. I am so excited for this new month to start so I can start a lot of her ideas. She gave me a rude awakening of how money is not for spending, it is for managing first. Definitely recommend this book for any one seeking advice about their finances.
Jul 08, 2012 rated it really liked it
Devin went through a phase where he thought we should really learn more about how to manage our finances, so he checked this and a few other similar books out of the library. He never read any of them. So I did. This one was by far the best. It was the most interesting, had the most real life, real person application, and was the easiest to understand. Whether you are in debt, or just looking to understand how to manage your money, this is a good book.
Lauren RM
Apr 16, 2015 rated it really liked it  ·  review of another edition
Picked this up on a whim from the library. Easy to understand action plan that looks sensible for getting out of debt and building stable finances. It reads like you're getting advice from an aunt who is funny, no nonsense, well read on the matter, and has been in your shoes, which I really enjoyed.
Oct 21, 2008 rated it it was amazing
Provides practical advice from a Christian perspective on becoming and living debt-free. Phil and I have just started putting into practice some of the practices she recommends, such as a Rapid Debt-Repayment Plan, and it's wonderful to see when we will become debt-free and how we can remain from being held captive by creditors.
Jun 21, 2007 rated it it was amazing
Recommends it for: those aspiring to fiscal responsibility
Shelves: nonfiction
Mary has some great ideas...and she realistically calms fears and gives hope for the future, regardless of your current financial state.

I've been "phasing in" a lot of her ideas with great success!
Feb 28, 2008 rated it really liked it
Recommends it for: all homemakers
I have really enjoyed reading this book. She has motivated me to change the way I manage my money (and I thought I already knew everything about budgeting, etc.) I am really learning a lot and it is a fast easy read. Mary Hunt has lots of great books that I am planning to read.
« previous 1 3 4 5 6 7 8 9 10 11 next »
There are no discussion topics on this book yet. Be the first to start one »
  • Pay It Down! : From Debt to Wealth on $10 a Day
  • The Road to Wealth: A Comprehensive Guide to Your Money
  • Rough Waters
  • Die Broke: A Radical Four-Part Financial Plan
  • Complete Financial Guide For Young Couples (Christian Financial Concept)
  • Death & The Brewmaster’s Widow (An Auction Block Mysteries, #2)
  • Weeds Among the Wheat
  • The Norths Meet Murder (Mr. & Mrs. North #1)
  • Surprised by Truth 2: 15 Men and Women Give the Biblical and Historical Reasons For Becoming Catholic
  • How to Get Out of Debt, Stay Out of Debt, and Live Prosperously: Based on the Proven Principles and Techniques of Debtors Anonymous
  • Oliver Twisted (Ivy Meadows #3)
  • The Servant Leader
  • Cancans, Croissants, and Caskets
  • Missed Fortune 101: A Starter Kit to Becoming a Millionaire
  • The History of Underclothes
  • Murder on a Designer Diet (A Red Carpet Catering Mystery, #3)
  • The Complete Tightwad  Gazette
  • A Geek Girl's Guide to Arsenic (Geek Girl Mysteries #2)

Nonfiction Deals

  • Astoria: John Jacob Astor and Thomas Jefferson's Lost Pacific Empire: A Story of Wealth, Ambition, and Survival
    $8.24 $1.99
  • A Secret Sisterhood: The Literary Friendships of Jane Austen, Charlotte Brontë, George Eliot, and Virginia Woolf
    $27.00 $2.99
  • Grammar Girl's Quick and Dirty Tips for Better Writing
    $9.99 $2.99
  • The Paradox of Choice: Why More Is Less
    $10.74 $1.99
  • Anam Cara: A Book of Celtic Wisdom
    $8.99 $1.99
  • A Room of One's Own
    $9.99 $2.99
  • Ashley's War: The Untold Story of a Team of Women Soldiers on the Special Ops Battlefield
    $8.24 $1.99
  • Life in a Medieval City
    $8.24 $1.99
  • Surprised by Hope: Rethinking Heaven, the Resurrection, and the Mission of the Church
    $12.99 $1.99
  • The Only Thing Worth Dying For: How Eleven Green Berets Forged a New Afghanistan
    $8.99 $1.99
  • Too Close to Me: The Middle-Aged Consequences of Revealing A Child Called "It"
    $9.99 $1.99
  • The Creation of Anne Boleyn: A New Look at England's Most Notorious Queen
    $9.99 $2.99
  • Inside the Criminal Mind: Revised and Updated Edition
    $11.99 $1.99
  • Being Wrong: Adventures in the Margin of Error
    $9.24 $1.99
  • Orange Is the New Black: My Year in a Women's Prison
    $13.99 $2.99
  • How Dare the Sun Rise: Memoirs of a War Child
    $8.99 $1.99
  • Social: Why Our Brains Are Wired to Connect
    $11.99 $1.99
  • Love, Loss, and What We Ate: A Memoir
    $11.49 $1.99
  • Countdown to Zero Day: Stuxnet and the Launch of the World's First Digital Weapon
    $11.99 $1.99
  • Evangelii Gaudium: The Joy of the Gospel
    $9.99 $1.99
  • The Heart of Christianity
    $9.74 $1.99
  • The Crusades: The Authoritative History of the War for the Holy Land
    $10.49 $1.99
  • Skin: Talking about Sex, Class, and Literature
    $17.99 $1.99
  • Hidden Figures
    $4.09 $1.99
  • Clear Your Clutter with Feng Shui
    $9.99 $1.99
  • Act Like a Lady, Think Like a Man
    $7.24 $1.99
“Giving in its purest form is done with a heart that says I wish it were more, and I expect nothing in return.” 1 likes
“Debt requires you to transfer your future wealth to your creditors.” 1 likes
More quotes…