Acknowledgement of Published Material Used for Research:

Articles: David Potts (Sun Herald) Pam Walkley (Australian Women's Weekly), Linda Drummond (Sunday Telegraph), Nick Gardner, (Sunday Telegraph), Maggie Alderson (Good Weekend), Meares & Chipperfield (the (Sydney) magazine)

Books:  The Pocket Idiot's Guide to Living on a Budget (Sander & Sander), Your Mortgage and How to Pay it Off in Five Years (Bell), Rich Dad, Poor Dad (Kiyosaki), The 4-hour Work Week (Ferris)

Online:  The author and researcher of How to Budget have spent many hundreds of hours "googling" to bring together freely available informative material to supplement our own experience.  We also sought out internet companies with value propositions that will assist consumers save and make better decisions.  However we have not personally used most of these services and our review is based on their websites alone.

Online Sources: Advice offered online by major banks, utilities and charitable financial counsellors.  Understanding Money (Australian Government), Simple Savings (Introductory Newsletter), Show Mummy the Money (Free Tips), The Cheapskates Club (Free Stuff), Choice - Ten ways to save $100