Extract from the intro...

Hand anyone a fast $5000, and they’ll easily plan a holiday or a party or a makeover for the old homestead. But give them an annual salary of fifteen to fifty thousand and they’ll usually be stumped when it comes to planning a budget to take care of that much money over that long a period.

Money slips through your fingers – too easily. Case studies later show how some people waste as much as 70% of their net income without realising it. But it doesn’t have to be this way. There's stacks you can do to make your finances more bearable, no matter what level of income you’re blessed or cursed with. From clean slates to financial disasters, whether you’re fifteen or fifty, starting out or starting over, the following pages are jam-packed with hints, tips and tricks on nearly every aspect of your money. 

I invite you to enter those pages with me now. Let me show you all the lessons that I had to learn the hard way - and start your financial success from scratch… where all the fun begins...

Extract from an example:
Guys – more often than gals - often confide in me that their motto is: if you can’t afford it, mortgage it. We often have a good giggle over that – until I show them what they’re missing out on. One guy in his early thirties (we’ll call him Ted) had a nice income, a nice house, nice car, nice lifestyle etc, but he complained that he worked long hours and didn’t seem to be getting anywhere in overall wealth accumulation. Ted admitted he knew what the problem was:– he was spending and not saving. But he did want to save, without compromising on how much he spent on his lifestyle. So I suggested a few changes to HOW he was paying for things, using much the same advice as in Case Studies #4 and #5, as well as changing the brands (not how much or what he chose to buy). On his $1800 a fortnight income, I found $370 a fortnight that was going to waste for no other reason than being financially disorganised. He’d been doing this for about five years and wasted $48,000. On his $20 hourly rate, this means he worked 2400 hours – nearly a whole year more than he had to.

When I showed him this – and after I picked him up off the floor – he got really excited and made a mid-year resolution to trim his flamboyant expenses as well. Ted not only increased his current repayments to pay out his first home sooner, but also bought an investment home to pay out quickly and will be starting his shares portfolio soon with his first tax refund...