Congratulations!   Just a few weeks from
now you could be living better whilst
spending 100’s of dollars less every week.  

By following our simple steps, making minor changes
to your behaviour and adopting a new spending
mindset within a few hours you’ll be on your way to a
better financial future.

Imagine no more money worries, debts evaporating and your savings building rapidly!  It is not a dream, it is possible on any income and we will show you how!

Why try our approach?  The How to Budget system was designed by a spoiled, indulgent, irresponsible brat who lost everything and had to start over at the age of 42 - with no income and a mountain of debt – and if I found a system to turn around my financial situation – anyone can do it!

How to Budget includes

• a simple spreadsheet based budget planner that is being successfully used by 1000’s of people, plus many fantastic bonus tools to make budgeting easy and keep you on track
• the BEST EVER money saving tip that will get you on track financially with blinding speed
• 100’s of simple ways to save money on EVERYTHING you buy
• the reason most people fail to curb their spending and what you can do to make a real change in your life today and build a better future for yourself and your family
• how to find the motivation to keep you on track financially for the long haul
• a direct challenge to your current attitude to spending and

We promise that you’ll be able to see possible savings in minutes.  Give us an hour or two and you could be saving literally thousands of dollars a year, by learning the secrets that companies try to stop you knowing!

Just a one off payment of $16.95, How to Budget includes a 90 page E-book, budgeting spreadsheets, bonus colour pdf’s, 100’s of hints and tips, an internet resource library of other companies that can save you money.

There are no catches – we really want you to take responsibility for your finances so we offer a no questions asked money back guarantee if you can’t find savings much greater than your investment within a few days.

Like more information? Watch this you tube clip of author Cate Richards introducing you to our system.

If you know you should be better with money, we will provide the “HOW”

Applying the How to Budget approach will help in all areas of your life as you reduce anxiety, live more simply and say goodbye to “keeping up with the Jones’s” forever.

To create this system, the author, Cate Richards, has drawn on the difficult experience of going from financial comfort to losing all her money and needing to start over - Cate’s is a true Riches to Rags story!

Added to personal experience is the synthesis of nearly 1,000 hours of research and “googling”  - the fruits of which you can access all in one place!

Membership of How to Budget includes our Website, E-book, Budget Tools, Internet Resource Library and Encyclopedia of Hints and Tips.  This system
is available for a single payment of $16.95 - not a subscription, just a one off payment!

It is a risk free investment - if you can’t find a way to save more than $16.95 the very day you join as a member of How to Budget, we will refund your money no questions asked!

Here is a recent email I received:

Dear Cate,

Just wanted to say thankyou for all the tips, ideas and knowledge you are sharing with your website. I have been in denial for a while now.. but this morning I just sat and read through every page and word of your advice.

I am going to make some changes before things really do get out of hand. I am 36, and things just seem to be going further and further backwards for me over the last few years.. I think my ATTITUDE to money and spending (aquiring) is what needs to change more than anything else.. and your website has certainly given me a wakeup call this morning!

Thank you once again.

Best Wishes

Amber

- Budget Planner Spreadsheets and a foolproof system to follow

- E-Book, with loads of advice

- Encyclopedia of Hints and Tips

- Internet Resource Library with
 links to 100’s of money saving
 ideas online

Cate Richards, author
of How to Budget, welcomes
you to our website

Discover the secrets of good money managers!