Carmel McCartin is an accomplished writer and speaker. Her articles have been published both online and in the print media. This is her second book. She established the Budget Bitch company in 2007 after two years research whilst working as a personal budget consultant. Carmel has appeared on the Nine Network's Money Show as a specialist budgeting reporter. She is a regular commentator on the Prime Network for local and current budgeting issues. As Australia's #1Budget Guru she has been called "The Chick who takes no crap from anyone" and "the next person to dabble with your wallet". The tips in this book provide a great start for anyone serious about getting their personal finances in order.