People's money situations vary. This book is aimed toward people who have very little money. Personally, I am not there and I do not need to cut back on absolutely everything. I don't find many tips that I will actually follow. I certainly agree on "the curse of credit". I will however not move to a mobile home, start raising pigs or rinse my mouth with hydrogen peroxide instead of going to the dentist (a tip mentioned three times in the book). A large portion of the book is recipes but a cookery book is better for that. I enjoyed reading the book but I didn't learn much new that is useful to me. ( )