"After reading Financial Freedom on Your current income and putting our details into Bill Banisher I was shocked to see how much my husband and I were going backwards each month, our credit card was spiralling out of control and I couldn’t see a way to stop it, there never seemed to be enough money coming in. What was a bigger shock was the fact that I was the one handling the bill payments and I was also the 'spender' not a good combination, hence the credit card debt was my fault so I needed to take responsibility for that.

Bill Banisher has been a godsend to our household, we are now on track to eliminating our credit card debt and all of our bills are paid on or ahead of time - no more stress when a bill comes in. The first couple of months were a little challenging but it was necessary discomfort to be where we are now. We have learnt so much. This needs to be taught in our schools. Thank you Michelle for giving us this freedom."

Well done!

Liz

My husband and I have been implementing Michelle’s Bill Banisher system for three years now and have found it very easy to maintain. Prior to this, we lived paycheck to paycheck and were always fearful to receive mail just in case it was bills. It affected our marriage and no matter what we tried in order to move ahead, we just could not get it together because unforeseen bills would eat each paycheck.

After working with Michelle, to our surprise, we had a monthly cash flow of $600.00 available to invest. We have never looked back, in fact, our monthly cash flow is now much more and we are now doing investments.

Star and Mark

As the financial manager for our family, I have tried and tested quite a few budgeting systems over the past few years. All have failed for some reason for other. So when I was asked to read yet another book about budgeting, it seemed that this book would just be like all the others.

Much to my surprise, I thought I had struck gold when from just reading I could tell straight away that this book would finally address the problems I had with trying to make a budget actually work.

What I liked most about the book was the step-by-step approach it takes to planning how one should approach managing your finances. Every step is clearly explained.

No matter what your age group or financial situation I believe this book can be of great benefit.

Carolyn M

Michelle, I'd like to congratulate you on writing what I believe is an extremely important book.

With so much economic uncertainty, your book is exactly what everyone needs in order to lay the concrete foundations to achieving financial security and future prosperity for themselves and their families.

Your methods are simple and easy to follow... and they work. "Financial Freedom On Your Current Income" is one of those "must have" books for anyone who wants to escape the debt trap quickly.

Sal Vannutini
Melbourne AU
www.REI411Today.com

As a Financial Adviser, I am constantly meeting people who struggle to “make ends meet”, much less be able to set anything aside for investment. The traditional concept of a budget – track where your money goes, then look for areas where you can cut down your expenditure – does not work for the majority of people. Michelle’s concept of “marrying your budget to your bank account” has revolutionised how I speak to my clients about budgeting.

I have always been an advocate of “pay yourself first.” That is, make sure you set aside a portion of your income to invest, so you can generate long-term wealth. Many clients have struggled to do this; their expenses always seem to be more than their income. The concepts outlined in “Financial Freedom on Your Current Income” have given my clients an invaluable tool in managing their cash flow; enabling them to build wealth in the longer term, while continuing to meet their living expenses in the short-term. ces, falling property prices, rising rent costs and rising unemployment, many people are concerned about their financial well-being going forward. By drawing on her own experience, Michelle has shown that with a comprehensive, easy-to-use money management system, it is possible not only to survive, but also to continue to build your own wealth, regardless of the economic conditions.

I was first introduced to Michelle’s money management principles three or four months ago, and was immediately attracted to them because they are similar to, but improve upon, the money management techniques I previously used. I particularly like how Michelle makes regular, small payments on her rates and utilities bills, and how she allows for “guilt free spending money” within the money management system.

I heartily recommend “Financial Freedom on Your Current Income” to everyone who is struggling to get out of debt, or who would like to create greater financial security for themselves by turning income into wealth.

Stephen Whitchurch
Authorised Representative of RetireInvest Pty Limited
RetireInvest, Bondi Junction

I love the Michelle’s book “Financial freedom On Your Current income” and Bill Banisher System, because it teaches the foundations of money managing.

It is my belief that true financial wealth can only be reached once all our finances are in order, to a point where we no longer have to think about money. Thinking about it all the time, implies that we do not have enough, which then creates our reality.

Bill Banisher allows me to be realistic about my lifestyle choices, so that I do not choose buying a car, only to find out that it causes me to get behind in my true life dreams, which may have been to go on a holiday every year.

This system is different to the way I used to budget because the bank account systems controls your budget week by week, rather spending your money and then seeing if you stuck to your budget.

I recommend the Bill Banisher system to anybody who is serious about financial freedom:

• Free from Worrying if you have enough money for bills
• Free from having to always miss out on things that are important
• Free from Credit Card Debt
• Free from having money control me because now I control my money

Our finances were a mess – more money going out than coming in, massive debt and lots of stress. Both my husband and I work freelance so we were never sure how much was going to be in the account, and because of this I avoided any structure or system as I could not conceive of how it would work with this irregular income. I have to admit it has been one of the most confronting things I’ve done for a while!! Facing the reality of our situation was not easy and some hard decisions had to be made. The process took much less time than I anticipated however fear and procrastination did prolong the agony!! I now know exactly how much money I need per week to cover all expenses. I have a system in place that makes freelance income manageable, I don’t feel guilty when I book the babysitter and go out because I know that I have enough in the allocated account to do it, and having made the commitment to cut up our credit cards we are now on the road to being debt free. The best thing about it for me has been that now everything is “set”, I don’t have to micro manage the finances – it all takes care of itself!! I don’t have to spend my time worrying about and juggling money, the stress in my marriage is over because we no longer need to blame each other for the mess, and I know we can start to move forward financially which is exciting!!

Helen O’Connor
Actress