Author: Bob Lotich
Publisher: CreateSpace
ISBN: 9780989894517

Each day (or chapter) will give you a money-saving tip that will help you complete the challenge. Some chapters are short, and some are longer. Some have specific action items, and others are more general advice. However, all of them will help you move toward your goal of saving $500 a month,” Bob Lotich writes in the introduction of his book, How to Save Money: A 21-Day Challenge to Save $500/Month.

At fifty-seven pages, this thin paperback targets those interested in cutting household expenses, being conservative with their money, and saving every month. There is one hard-to-read chart, a couple of famous quotes, and no author’s biography, index, or advertisements for similar books.

In an introduction where Lotich explains he lost his job and had to rely on his wife’s meager income, the couple carefully watched all their expenditures and focused on getting out of debt and saving money.

Challenging readers to get in the black with their finances, he offers a twenty-one day program that are tips, suggestions, ways to cut back, and change habits to save $500 a month.

Recommending reading one chapter daily and implementing the task without procrastinating, the ideas are using common sense, with little new information for those who save already, are debt-free, or have no mortgages and credit card balances.

Daily tips may include buying used products, negotiating better interest rates on cards, refinancing loans, simplifying wardrobes, canceling cable television, making own coffee, save energy, driving wisely, renting if buying does not make sense, and checking to lower insurance and property tax bills. Websites and businesses promoted are Amazon’s Subscribe & Save, Apple TV, Craigslist, Ebates, Ebay, Entertainment Book, Groupon, Habitat for Humanity, Lending Tree, Netflix, YourBillCutter and Zilok to name a few.

Guessing the book would best be read by those who owe a vast amount of credit card debt or beginners to the concept of budgeting, there are valid, cost-cutting tips within the pages. With only twenty-one chapters, the advice could easily be formatted on a few pages and include more suggestions.

With concentrating little on families with children, baby boomers facing their kids’ student loans, or the elderly living on a fixed income, it would be helpful to include a working budget or spreadsheets to fill out to see how much savings can be gleaned in a month to achieve the $500 goal briefly mentioned.

Thanks to the author for furnishing this complimentary book in exchange for a review based on the reader’s opinions.

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