The 700 Club with Pat Robertson

Ellie Kay
Web Site


Authored 12 other books including Heroes at Home and Living Rich for Less

Called “America’s Family Financial Expert”

Consumer Finance Educator For Wal-Mart, Procter & Gamble’s Dawn dishwashing detergent and
Bounty paper towels

Previous corporate clients include Washington Mutual, Visa Providian, GMAC, and MasterCard

Media: The New York Times, USA Today, CNBC, CNN, Fox, NPR, Redbook, Women's
, Family Circle, Reader's Digest, and Parenting Magazine

B.S. in Management of Human Resources from Colorado Christian University

Featured Book
The Little Book of Big SavingsTHE LITTLE BOOK OF BIG SAVINGS (Waterbrook Press 2009)


Save Big with Ellie Kay Ellie Kay is passionate about saving money and is known as “America’s Family Financial Expert.” She earned this name by getting her own family out of financial trouble.

When Ellie and her husband were first married, they were $40,000 in consumer debt and were living off only her husband’s military salary. Sometimes they would have no money for groceries, but even in those trying times she remembered the scripture, “I have been young, and now I am old; yet I have not seen the righteous forsaken, nor his seed begging bread" (Psalms 37:25). She knew God would help them get out of debt.

One of the things the Kay family did was follow the biblical order for finances – they tithed 10% of their income. Also, they were committed to pay down their consumer debt. Every dollar that was not used to pay bills was used to pay down debt.

Ellie came to realize that everywhere she looked, she could “find” money. Within two and a half years, the Kay family used all that “surprise money” that Ellie found to pay off their debts.

In the first 15 years of marriage, the Kays were able to also: pay cash for 11 cars (giving away 3 of those cars); take family vacations; dress the children in style; buy two five-bedroom homes (one after selling the other); build up savings for retirement; send three of their children to college without college loans; and give away $100,000 to non-profit organizations (30 ministries in 12 different countries).


Car Insurance – Only 25% of consumers shop around on their auto insurance. Go to a comparative site such as and get new rates on your policy, then call your policy and ask them if they can match the new deal. Many consumers save an average of $350 by shopping around.

Home Insurance – Some studies indicate that as few as 15% of consumers shop around on homeowners policies. This is because many mortgage companies pay the policy renewal and then charge the homeowner in their regular monthly mortgage payment. So a consumer will see the renewal come in the mail and think, “Oh, my bank will pay this” and they never compare prices. Most families can save at least $300 by shopping around or calling your existing insurance broker and updating the discounts you may qualify for in your policy.

Online Savings – 1) compare prices at 2) get additional discounts or free shipping with coupon codes found at or 3) get online refunds for the items you buy at


Consumers can “layer savings,” or combine the following when shopping:

  • Sales
  • Manufacturer’s Coupons
  • Store Coupons
  • Combine Store and Manufacturers Coupons


Pay On Time – Pay a day early rather than a day late. Go online to set up your credit cards and other installment loans to automatically pay out of your checking account on their due date. That way you will never be late.

Pay More Than the Minimum – Even $5 or $10 more than your minimum credit card payment will show up as “paying down the debt” which improves your FICO.

Proportionality – Due to credit card reform legislation and the recession, credit card companies are currently cutting credit limits. Make sure you know your new credit limit and that you do not have more than 50% of the available credit charged on any card. For example, a card with a $6,000 limit should have no more than $3,000 charged on it.

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