How to eradicate your money worries for ever.....

Would you like to .... (check all that apply to you)

afford a decent holiday?
call off the debt collectors?
pay off your debts and start saving?
stick to a budget and still be able to enjoy life?
stop feeling so "lost" with your finances?
easily untangle superannuation, taxation, contracts and insurance?
safeguard yourself from sexually transmitted debt?

Finally, you can tap into the secrets of a hard-core financial counsellor who will help you eliminate money worries for good.

This is NOT "get-rich-quick", pyramid selling, debt consolidation or any other scheme high on promises but low on results.

Nobody becomes a millionaire overnight unless she wins the lottery, marries a millionaire or is heiress of a very wealthy relative, and the odds of any of these happening to you are 8 million to 1. If you do manage to beat the odds you still need to manage your money well or you could lose the lot.

Let us show you, step by step, how you can take back control of your money and your life!

Money Management for Women by Sheila Freeman and Helene Richards is a treasure-trove of "easy to action" advice at your fingertips. Sheila has distilled 15 years of her experience as a financial counsellor in Australia into a simple, easy to understand guide that tackles head-on, the issues of money management from a woman's perspective.

Sheila has helped countless people - men, women and families get a hold of their money mess, shake it down, turn it around and get their lives back on track.

Yes, she can do the same for you.

  "I used to hide the bills in the drawer, hoping they would just disappear. Your book gave me the confidence to tackle them in a sensible way. Now I plan ahead and know that when they come in I can pay them. After having financial problems for most of my life, I now have peace of mind."
(Marion, retail assistant, 43)

Are you sick of the never-ending expenses that just suck money from your pay-packet?

What if I told you that by following the simple guidelines, which I will show you, you will put security back into your life and achieve the peace of mind you crave? 

Too hard? Not at all! Sheila Freeman will take you by the hand and lead you through, guiding you each step of the way.

You will discover:

• how to stop your "ex" from ripping you off
• how to make a budget, stay motivated and still enjoy life
• how to reduce your risk with credit cards and finance company loans
• how to confront the Centrelink maze and access all your entitlements
• how to avoid becoming a victim of sexually transmitted debt (STD)
• what traps to watch out for when buying a car
• what you must understand before starting your own business
• how to save money and live well for less
• how to stop gambling from destroying your life and where to get help if you need it

Never feel helpless or intimidated again...

What if I told you that you will be equipped and empowered to negotiate with banks, government departments, insurance companies and credit providers with a new confidence because you will KNOW YOUR RIGHTS?

You will understand:

• When a contract is binding
• How to choose a financial planner you can trust
• How to get access to your superannuation funds
• How to negotiate better debt repayment options
• What happens if you become bankrupt
• When a creditor can take your possessions in lieu of a debt
• How to choose the right insurance policy
• What happens if you die without a will
• Your rights as a tenant or as a landlord

"When people started talking about money and finances it used to go straight over my head. I never thought I'd make sense of it. The great thing about Money Management for Women is that it is so practical and down to earth. It's all about day to day stuff that really matters and it makes sense. "
(Janine, personal assistant, 32)

It doesn't matter if you're young or old. Money Management for Women is relevant to women of all ages and all stages of life. 
Get the advice you need when you are: 

• young and single (moving out, getting a job…)
• getting married (planning the wedding, setting up house…)
• bringing up a family (childcare, holidays, blended families…)
• breaking up (divorce, child support for married, de facto and same sex couples…)
• dealing with retrenchment and unemployment
• caring for elderly parents
• planning a funeral

"My husband always looked after our finances and when he died I was overwhelmed by the thought of everything that had to be done. I found your book invaluable and could not have managed without it."
(Kathleen, 72)

Let me ask you a question. Don't you think it's time you gave up struggling? Don't you owe it to yourself to invest a little time in lifting the burdens from your life? 
Don't think you can do it? Have you tried before and given up?

Money Management for Women was written for you.

• Written by Australian women for Australian women
• Filled with common sense, practical advice that works
• Easy to read and easy to understand
• How-to advice that you can do
• Helps you turn your life around

"What I really love about your book is that it is so easy to understand. With just a bit of effort and by sticking to a workable budget, I am now debt free and intend to stay that way. I’ve even started saving! Thank you, thank you, thank you!"
(Meredith, administrative assistant, 26)

There are no ifs, no buts. Hoping your life will change will get you nowhere. It's time to stop wishing and start taking action.

Now is the time to take control of your money and your life.  Taking action, the right action, will bring the security and peace of mind you desire.

"This is a great book: lively and immensely practical." MOIRA RAYNER
Former Victorian Commissioner for Equal Opportunity and Deputy Director (Research) of the Australian Institute of Family Studies.

A message from Sheila Freeman: When Helene Richards and I wrote "Money Management for Women" in 1999, we had no idea the impact it would have on the lives of ordinary Australian women. We crammed it full of practical advice cultivated from my experiences as a financial counsellor and made it easy to read and simple to understand. We were overwhelmed and humbled when so many women wrote to us to tell us the difference it had made to their lives. Mothers bought it for their daughters moving out of home or getting married. Newly-singled or widowed women used the information to get a grip on the issues that had, in the past, been managed by their husbands. Yet again, others took action and used the principles in the book to finally become debt free! Our original publication sold 3,000 copies in paperback format. Now we have updated the book for 2003 and make it available here on this website as a downloadable "e-book". The book is in Acrobat Reader format (pdf) and can be read, saved and printed by most recent Internet browsers. (Or you can download the Acrobat Reader software from this website.) If you'd like a sneak preview you can view the table of contents here or download a free chapter. I am so sure that Money Management for Women will have a positive impact on your life that I would like to offer you a RISK-FREE GUARANTEE. Purchase the book and take an entire year to put the principles into practice. If at the end of that year, after you have taken the action advised in the book, your financial situation has not improved, I will give you your money back, and you may keep the book. That is my personal guarantee. Regards, Sheila Freeman JP Dip. Community Services/ Financial Counselling

"This simple and entertainingly written book is one of the best guides to money management I have read."
THE HONOURABLE JOAN KIRNER, AM, Former Premier of Victoria

Hoping, dreaming and wishing (or ignoring!) will not solve your financial problems. 
Right now you have the opportunity to take the first step to turn your life around.

You may purchase the e-book version of Money Management for Women by credit card with our secure payment system at PayPal - you do not need to have a Paypal Account.

All information collected during the payment process will be kept strictly private and phone and email are only required in case we need to get in touch with you about your order. 

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