New Year, New Start

We want to help as many

people as possible get off to a

fresh start this year.

**BUY ONE

and we'll

GIVE YOU ONE FOR FREE!**

Limited Time

Personal Budget Organiser

only $29

Organise your Budget!

Organise your CASH!

Endorsed by

In the Media

Testimonials

Poll

Have you ever written down ALL of your discretionary spending?

	Yes - daily
	Yes - weekly
	Yes - monthly
	Never have

If you want to know how to take back financial control of your life so you get to live the life you want, ask yourself the following questions...

Does a lack of money impact on...

"The amount of money you have has go nothing to do with what you earn.

It's not what you earn, it's what you spend. "

- Financial Literacy Board Chairman, Paul Clitheroe -

Message from Michelle

Hello fellow money conscious ones!

I've been there... I know it can all seem too much, the bills

pile up and there always seems to be more money going out than coming in. It was time for me to get BACK TO BASICS!

I was stuck in this spending spiral and not knowing where it was going in and being constantly disorganised was costing me a fortune in food (and it wasn't healthy food!). When I got serious about wanting to change my spending habits, I used to use envelopes to organise my weekly budget. It was just too messy and I felt weird handing money over from an envolope. So, I designed the Personal Budget Organiser so I could have my budget sorted and visible. It still has room for all my necessary cards and coins and it looks like "normal" ladies wallet.

The Personal Budget Organiser has me back in control of my money. When I use cash and can see it there in my wallet, I am more attached to it and less likely to waste it on impulse spending. It's much harder for me to break a $50 note!

Planning is another key to success with money management. A simple meal plan can save loads and there are no more excuses for buying unhealthy food!

I know you'll love the PBO™, just like me and 1000's of others getting themselves back on track.

Become a Member - FREE

Become a Secret Budget™ member and enjoy the following benefits.

Ideas that save you money as well as time
Practical initiatives that you can use to make a real difference to your finances
Saving strategies
Guidance for implementing financial plans

Register Now!

30 Day Challenge

do you need some inspiration?
are you looking for some motivation?
do you just to get organised?

This e-mail address is being protected from spam bots, you need JavaScript enabled to view it to be involved in our 30 day challenge!

Send us your name and email address and we'll help you get back on track!

The 30 day challenge kicks off at the beginning of each month.

Personal Budget Organiser

$29

BUY ONE GET ONE FREE

LIMITED TIME

Organise your Budget!

Organise your CASH!

Endorsed by

Community In Focus

Ipswich, Queensland

A great big thank you to the Ipswich City Council for having me out in April to speak with the community about money management. Your Mayor and council are to be congratulated for their wonderful intiatives in your community. I was delighted to be asked to present to you all, it was wonderful to meet so many of you!

Congratulations also to those who "stepped up" and attended the Back to Basics workshop as part of the Money Master Class series.

The GFC, rising interest rates and general cost of living, combined with the floods in January have put some you in difficult circumstances. I trust that you will use the information from the seminars to help you get back on track.

Remember, it's all about getting Back to Basics!

Upcoming Events

Top 10 Tips

Quick Financial Fixes

Dealing with a Financial Crisis

Money Coaching

Are you looking for a secure financial future? You need to start with your household budget. Click here for more info on how we can tailor make a solution for you.

DID YOU KNOW? Sessions can be held in the workplace as part of your employee development scheme.

What's the Secret?

Do you want to know the secret to hanging on to your money?

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Coming Soon!

If you would like to be one of the first to know about these new arrivals send an email to This e-mail address is being protected from spam bots, you need JavaScript enabled to view it