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Radio shows for you! Check out the News & Events page. Remember knowledge means nothing. It’s the application of knowledge that makes a difference. You must take action! Listen in to the radio or put the tools below into practice so you can reap the rewards by breaking the chains of debt. If you don't, you'll end up dead, dead broke or still working full time by age 65, just like the other 95% of the population.

Basic Budgeting process and spreadsheets

I developed this process to manage my money when I had eight part time jobs. A single Mum of three bought two investment properties within two years of learning it. These simple sheets are like Velcro - very simple and effective.

Tell me what the activity is on page 59 of The Bedside Guide to S&M: How to have Sizzling Sex & More Money in your relationship . I'll then send you your Basic Budgeting templates that calculate cash flow, a Cheat sheet and Money Action Plan (MAP).

Compromise Spectrum

If single, complete this form so as to clarify what you're looking for in a partner. If in a relationship, complete this form to aid communication and work out compromises. There's an example on page 15 of the book.

Debt Demystifier

Sexually Transmitted Debt (STD) is as appealing as Sexually Transmitted Infections (STIs). Get a grip and cure your debt by knowing all the details of both your own and your partner's debt.

Scenario Budget

It's ridiculous to expect that you'll stick to a budget and spend exactly the same amount every week. You do however need a start point and an idea of where your money goes, so complete this form in pencil with your best guestimate.

Wealth Check up

If a Financial Planner gives you a form this basic, run a mile. This is only a snowflake on the tip of the financial iceberg and is designed for people who are financial virgins, so as not to scare them.