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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 -

Rescue your household budget with this very successful Money Management Tool!

USE CASH and organise it according to your budget with a

Personal Budget Organiser of course!

Simply taking action and arriving at this page, separates you from most people.

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The simple act of commitment to your financial freedom and happiness begins now - The path to a life of financial freedom and enrichment!

Making the decision to at least find out how you can make the most of your household budget and life is something most people never, ever do.

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.

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!

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

Click below for more info.

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Some of things you can access for FREE are:

Our SecretStash full of great, simple and fun ideas for managing your money
Weekly recipes delivered to your inbox that are affordable, tasty and quick and easy to make
Weekly savings tip to help you save money with your household budget
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Please refer this free area to your family and friends. We are able to offer you expert information and perhaps even external product discounts (eg amazon vouchers, itunes etc...) by having more members - so please refer us on!

Further products and services available are...

Personal Budget Organisers designed by Michelle House, founder of secretbudget.net. A budgeting system inside your wallet!
Money mentoring sessions - available wherever you are!
Spending interventions! When you just need that extra support.
Back to Basics workshops

This website has been created by Michelle House , the creator of the Personal Budget Organiser . Michelle is a wife and mother of 3 young children with a passion for getting the most out of her dollar! Her desire to share her thoughts and ideas about managing money has created this webiste. She is well known in Brisbane, Australia via her appearances on a television program as their budgeting expert. You can see some of the televsion stories here and you can read more about Michelle at this page.

The team at SecretBudget.net are commited to providing you the best possible service at all times. We have a number of ways to encourage and support you with saving money and managing your household budget.

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Free Fun - Week 6

So after being out of the house almost all of last weekend at the seminar, we decided to have a weekend adventure closer to home. Like everyone the usual chores had to be done, and of course the lawn needed a good mow after the week’s rain.

We have been driving past the development of the Kangaroo Point Cliff Park since it commence a year or so ago, and now that it is finished we decided to take a picnic and check it out. As luck would have it parking was a breeze on Sunday afternoon and the park itself was relatively empty. There is loads of vantage points to view the city (will be great for New Years Eve and River Fire celebrations), and of course lots of lovely fresh lawn to relax on. In addition there are several BBQ’s and it looks as though the cafe is almost ready to open complete with a liquor license!

We took a very basic picnic of sandwiches and drinks and found a shady spot to enjoy the surrounds and read. As a side note; that would be one thing that I would point out, shade at the moment is at a premium so until the trees become more established I would recommend visiting at early morning or late afternoon during the summer months.

Why don’t you find a local spot that you haven’t been to before, or not for a long time, pack a picnic, grab a book or games for the kids and get out in the fresh air and enjoy the many green spaces Brisbane has to offer, they are pretty much all free!

Have a wonderful week!