Published by the Penguin Group
Penguin Group (USA) Inc., 375 Hudson Street, New York, New York 10014, USA • Penguin Group
(Canada), 90 Eglinton Avenue East, Suite 700, Toronto, Ontario M4P 2Y3, Canada (a division
of Pearson Penguin Canada Inc.) • Penguin Books Ltd, 80 Strand, London WC2R 0RL,
England • Penguin Ireland, 25 St Stephen’s Green, Dublin 2, Ireland (a division of Penguin
Books Ltd) • Penguin Group (Australia), 250 Camberwell Road, Camberwell, Victoria 3124,
Australia (a division of Pearson Australia Group Pty Ltd) • Penguin Books India Pvt Ltd,
11 Community Centre, Panchsheel Park, New Delhi–110 017, India • Penguin Group (NZ),
67 Apollo Drive, Rosedale, North Shore 0632, New Zealand (a division of Pearson
New Zealand Ltd) • Penguin Books (South Africa) (Pty) Ltd, 24 Sturdee Avenue,
Rosebank, Johannesburg 2196, South Africa
Penguin Books Ltd, Registered Offices: 80 Strand, London WC2R 0RL, England
Copyright © 2011 by Clark Howard and Mark Meltzer
All rights reserved. No part of this book may be reproduced, scanned, or distributed in any printed or
electronic form without permission. Please do not participate in or encourage piracy of copyrighted
materials in violation of the authors’ rights. Purchase only authorized editions.
Published simultaneously in Canada
Most Avery books are available at special quantity discounts for bulk purchase for sales promotions,
premiums, fund-raising, and educational needs. Special books or book excerpts also can be
created to fit specific needs. For details, write Penguin Group (USA) Inc. Special Markets,
375 Hudson Street, New York, NY 10014.
Library of Congress Cataloging-in-Publication Data
Howard, Clark, date.
Clark Howard’s living large in lean times : 250+ ways to buy smarter, spend smarter,
and save money / Clark Howard with Mark Meltzer and Theo Thimou.
p. cm.
ISBN : 978-1-101-52930-0
1. Finance, Personal—United States. 2. Consumer education—United States.
3. Thriftiness—United States. I. Meltzer, Mark. II. Thimou, Theo. III. Title.
HG179.H
332.02400973—dc22
Neither the publisher nor the authors are engaged in rendering professional advice or services to the individual reader. The ideas, procedures, and suggestions contained in this book are not intended as a substitute for consulting with your physician. All matters regarding your health require medical supervision. Neither the authors nor the publisher shall be liable or responsible for any loss or damage allegedly arising from any information or suggestion in this book.
While the authors have made every effort to provide accurate telephone numbers and Internet addresses at the time of publication, neither the publisher nor the authors assume any responsibility for errors, or for changes that occur after publication. Further, the publisher does not have any control over and does not assume any responsibility for author or third-party websites or their content.