

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
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 $20, 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.
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. 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 $20
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 $20 the very day you join as a member of How to Budget, we will refund your money no questions asked!
Please read: You will receive an email from How to Budget with a link to click on. This link will have an blue “click here” link to enter the private part of our website. You simply click on the blue link to take you to the contents page. This page allows you to access all of “How to Budget” either on our website or via printed downloads. Save this page in your favourites to return
If you don’t see an email from How to Budget in your in-box momentarily please check your “spam” or “junk” folders*
* If the email did go into your spam or junk folders you should ensure you make “How to Budget” a safe sender





Here is a recent email we received:
Dear Catherine,
Just wanted to say thank you 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 (acquiring) 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
Here is a recent email we received:
Dear Catherine,
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
