"How To Get Your Bills Paid On Time,
Get Ahead Of Your Credit Card And Mortgage…
And Never Run Out Of Money Ever Again."

I will show you how in just 12 months, you will
be $2,000 better off… GUARANTEED.

Diane Hamilton HomeBudgetBuddy.com.au

Are you ever “Caught Short” when surprise bills come in? Or worry that
your household finances are getting out of control? Discover the secrets
25, 672 people are using right now, to master their personal savings in
these tough financial times.

Here is a simple, easy-to-follow system that ANYONE can use to keep more money in their pockets...

Without drastically cutting back on your lifestyle and living without your little luxuries. Without getting a better paying job... Or Without earning a second income.

Have you ever thought this?

“How will I pay my mortgage tomorrow and the 2 credit cards that are due next week?”

If I don’t find an answer then we might lose the house and end up renting. I’ve spent so much money making this house our home. The kids would have to change schools and risk falling behind. And what about our new puppy? Can we find a landlord that would let us keep him?

 “What am I going to say to my brother and his wife because we can’t afford to go on the Sunday boat trip next week?”

I’m sick of making up excuses because we never have enough money to do things with our friends and family. Month after month I think ‘after the next pay things will be better’ but next pay comes and we’re still in trouble. I’m tired of being broke, not knowing what’s going to happen.

“Which bill am I going to pay late so I have the money for the kids' school excursion?”

The kids missed the last school excursion and they were upset for days. All their friends had a great time and they missed out. But I’ll have to skip one of this month’s bills to get the money together.

“How will I manage the next week? I have the rates, electricity and car repairs all due. I don’t know what to do.”

I feel a little sick in the stomach when I hear the postie’s bike out the front. I dread it when he comes because I know I don’t have the money to pay for all the bills that are due next week. I wish I had a magic wand to make it go away just this once.

“I’m never going to get to go on holidays because we just never seem to be able to save anything for it.”

I keep saying that next pay I’ll make sure that I’ll put some money aside. That’s been going on forever. And I can’t see how the small amount of money that I do have from time to time could ever become thousands. I’ll wait until my tax comes in then I’ll save. I just need that head start.

“How am I going to get out of this mess? The last time I did a budget it was blown in the first month. What else can I do?”

I’ve tried to budget but it just doesn’t work long term. It goes OK for a few months but something unexpected happens, I go over budget and then everything is out of control again. It’s an endless merry-go-round.

‘What am I going to do about these credit cards? I’m maxed out and still struggling to make the minimum payments.”

Over the years I needed to get credit cards and store cards to buy things for the house without realising exactly how much debt I was getting into and how much interest I’d be paying. Now I am maxed out and I have no idea how to get out of this mess. Not to mention the late fees that hit the instant I miss a payment.

 “How do I get a more steady wage when I do contract work?”

I get really stressed, I just don’t know if the work will continue from week to week. I’ve tried all sorts of things to put money aside when I have a good week but I am constantly in trouble. It’s really hard when I’m waiting for a cheque to arrive but some customers don’t pay on time. They don’t realise that I have to feed my family as well.

“ When am I going to get our expenses down to at least what comes in?”

It makes my stomach turn. Even if I do a budget, where will the money come from? I don’t know where to go from here. All I can see is debt and I am totally stressed. My head is full of worries and I have absolutely no idea how I can possibly get out of this hole.

“How do I make sure our retirement nestegg let’s us live the same lifestyle and do more travelling?”

I am planning for our retirement in about 10 years and I want to make sure that I have enough money to do all those things that I’ve been looking forward to – maintaining my lifestyle, a big trip, a new place to live by the beach.

“What do I need to get into investment properties so that I feel secure and confident that my money will see us through when I give up work and retire?”

I have been able to get by quite nicely and now I want to get into an investment property, buy some shares and maybe build an investment portfolio to create an income further down the track.

If you relate to any of these situations then read on to find out how The Home Budget Buddy has helped people just like you to take control and reach their financial goals.

Do you want an answer to your money
problems that will…

• Enable you to pay your bills on time every month. You’ll no longer have to juggle which bills to pay because you don’t have enough to pay everything. You won’t need to face those nasty calls from the bank asking you to explain and trying to squeeze a payment out of you. And those ‘final notice’ letters are really bad news. How do you hide that from your husband?

• Make sure that you always have enough money for the unexpected expenses. Things like car breakdowns, sick children or a friend’s wedding. You won’t need to put these expenses on your credit card any longer. That just leads to more interest payments and then there’s the late fees as well. Just more money straight out the door and all the time your debt is getting bigger and bigger.

• Build in expenses like school books and uniforms so you get rid of that feeling of dread every January. You want your kids to do really well at school but you can’t always afford the little extras, like a guitar for the music lessons. You hate seeing that look of disappointment on your kid’s face. You feel like the ‘baddie’. It’s so hard to explain to them. And they feel embarrassed having to front up to their friends at school.
  

• Help you to stop living pay-to-pay and get rid the constant worry and stress. Does your husband get upset when he faces yet another plate of baked beans because that’s all there is in the cupboard? And are you tired of not using the car so much to save the petrol because you don’t have the money? Are you raiding your ‘spare change’ jar and scraping about for a few coins just to get by before the next pay arrives? It doesn’t need to be this way.

• Do away with fights about money and save your relationship. Do you hear this from your partner, ‘where does all our money go?’ Do you feel you’re being accused of wasting money when you are trying hard to make ends meet. Does your partner listen to you when you say how much things cost these days? Are you sick of the ‘screaming matches’ over money. There is an answer.

• Do you want a decent holiday rather than a ‘cheapie’ with the relatives. Every year you either end up ‘staying with Aunt Mary’ or you stay at home and have a few day trips to the beach and take in a theme park. Are the kids getting bored with that? Do you want to have a really great holiday where you don’t need to watch every single penny that you spend? No more painful consequences when you splurge on a holiday.

• Take the responsibility of money decisions off your shoulders. Your partner has enough worries at work and leaves all the money decisions to you. But you feel totally alone and your partner doesn’t understand how hard it is to manage on your income. You’re the one who’s seen as the ‘kill joy’ because you keep saying ‘no’. It seems so unfair.

• Provide a brighter future for your family. You worry about what the future will bring. You can’t see a way out of your credit card debt. You just manage to get the minimum payments made let alone getting the debt paid off. You want to be debt free with just the mortgage to be paid. That would make life so much easier.

• Put money into a savings account. You want to know that you have a buffer then you won’t need to go reaching for that horribly expensive credit card. You want to feel more secure about the future knowing that you are in control.

• Manage those nasty increases, like rates increasing by 40%. Right now that blows your budget and you’re going back to that credit card. Getting more and more into debt. And if you’ve maxed out your cards are you looking around wondering what you can sell? It’s no wonder you feel like giving up. When will this ever end and, worst of all, you can’t see a way out.

• Give you the retirement lifestyle that you really want. The second rate, super cheap ‘retirement home’ is not for you. You’ve seen them – the absolute bare necessities, no garden, nothing to do, boring food and too far away for your friends and family to visit. Everyone packed in like sardines, no privacy at all. And you can’t even take your old faithful dog. What could be worse? Leave it too long to do something and you may have no choice.

• Move you closer to getting that next investment property. You want to build up your investments so your retirement will be spent travelling to those dream destinations that you’ve been planning since the kids were off your hands. You want to make sure that you can keep up your lifestyle, seeing much more of your family and friends and enjoying the luxuries you’ve worked hard for all your life. You want the dignified retirement you deserve.

If you could find a simple answer is that something
you’d like to hear more about?

Hi, I'm Diane Hamilton, the Home Budget Buddy was developed to solve these problems.There are now 25,672 people using this system, it's a Best Seller for good reason, it works!

Let me show you how this ground breaking system came about…

When we were just starting out, like every other family out there, we worked hard to make ends meet. We had young kids and I gave up work to look after them.

After just a few months I realised that the bills were getting paid a little later, a few days overdue here and there. I started tapping into my reserves. It didn’t worry me a lot because I thought that I’d soon work out a way to get all these expenses sorted.

After a few more months we needed extra money for the new baby and our washing machine died at the same time. And then a few unexpected bills arrived and things really got out of control.

From there I struggled like you wouldn’t believe. I was working my butt off but everything I tried failed. I couldn’t figure it out. I was totally frustrated.

We were going through real financial pain. There were always more bills than money. And that’s really scary, I can tell you.

That sinking feeling you get in your stomach when the postie arrives with more bills and you don’t have a clue how you’re going to pay them. My stomach would curl up into a tight ball and I could taste the bitterness of defeat in my mouth.

I remember arriving home one day and some family friends were waiting for me. There were some overdue notices OPEN on the dining table and because I was so embarrased about them, I put them straight into the drawer so that my friends wouldn't see them. I hate the thought of people knowing that I don't have my money in order...

The worst is the unmarked demand notices from the collection agencies!
It was enough to turn my excitement of being home from work into a night of stress.

I couldn't do anything right.

My partner and I would find ourselves arguing over the smallest things… And all because of a $30 overdue bill had arrived in the post that wasn't paid. The constant tension between us was crazy and driving us apart. And the kids would get so upset to see us fighting. It was very painful.

I can tell you, it used to make me mad, I couldn't wait to just go to bed at night and disconnect from it all.

I’m sure you know the feeling. Here I was working like a dog, and still getting nowhere. It just didn’t seem right to me. My family deserved better than this but nothing I tried had made any difference.

And I wasn’t alone. I knew lots of my family and friends often struggled with the same problems.

Do you juggle your bills?

Paying only the desperately urgent ones…hoping the others will somehow wait.

Have you ever felt overwhelmed by your money problems?

Have you ever thought that you just can’t take it anymore. The worry, the stress of never having enough money to pay your bills.

Are you sick of the never ending merry-go-round of bills, taxes and work?

Are you tired of just getting by?

I know that I was.

But I knew there must be an answer. You’re not taught at school how to manage your money so it’s a real big problem.

And then, one night with the bills piled up in front of me, I knew I had to find an answer.

I don’t know how many budgets I tried – it was a lot - but nothing worked long term. I’d be OK for a few months but then there’d be an unexpected bill and my budget was out the window.

Then I realised what was wrong…

Most budgets are just a record of what you get and what you spend. It’s all in the past. The money is spent. The best you can do is to try to keep your spending down in the future. These budgets don’t give you a 100% water-tight system that takes everything into account IN THE FUTURE.

And that’s the very reason they don’t work long term. It just gets too hard. They rely on you to be disciplined. And we all know that doesn’t work.

I knew that I needed something better than that.

The solution was so obvious that I wondered why no one had ever come up with this answer before.

The first ‘prototype’ was pretty rough but I knew it would work. After a few months all the bugs were ironed out.

Wow! It worked beyond all my expectations. At long last, I was on financial autopilot!

And then my friend saw that I was fixing up the house, upgrading my car and spending more time with the kids. Before long, I let my friends in on this solution and I was getting swamped with requests. In exchange for a few baby sitting sessions and some great cakes, I set the ‘solution’ for my friends and relatives. They loved it. It was so successful I was spending lots of weekends setting this up for all sorts of people. The word really spread quickly.

It was then that this ‘solution’ was turned into a system that anyone could use.

It’s an easy step-by-step system, that lets you spend knowing that you will still have enough money to pay your bills AND your unexpected expenses every month.It automatically works out for you what you need in you bank account each day to be free of money worries and stress.

This system hands you a ready-made plan that you can put on your fridge, so that you know exactly what you can spend.

I call it The Home Budget Buddy – it that takes the guesswork out of your household spending.

Today there are over 25,672 using the Home Budget Buddy. They are enjoying a life free of money worries and stress.

Are you sick of finding that you don’t have the
money to do the things that you want?

Now just imagine this for a second…
Taking the family out for a day at the best theme park, treating your family to your favourite restaurant, going on the holidays you really want rather than taking second best at Aunt Mary’s place, getting that extra special present for your partner’s next birthday.

How good will that feel?

That’s what Home Budget Buddy customers experience. And you can do the same. Money management is a huge issue for people in all walks of life and on all income levels - From shop assistants, to trades people, to housewives to professionals.

Why is that?

You know, most of us are not taught how to manage our money and how to develop good money habits. It certainly isn’t covered in schools. Somehow, we are just supposed to ‘absorb’ smart money habits.

And that plainly isn’t working!

Most people I speak to think this will solve their problems…
“If I could just get a pay rise we’d be right and we could
afford that holiday at Christmas.”

“If I can get a job with ‘ABC Company’ then we’ll have the
extra money we need to get the kids into a better school.”

You know, there are 25,672 other people using Home Budget Buddy and they know that more money isn’t the answer. Even with the pay rise or the better paying job most people end up back in financial strife.

Want some evidence….

And here’s why…
When someone gets a pay rise or a better paying job, what happens? They upgrade! A new, better car, a bigger house, a home renovation, kids to a better school and the list goes on. Only to find that they are again struggling to make ends meet in no time at all.

It’s bad money habits that are letting people down. When people come into a bit of money they simply ‘blow it’ to find themselves in the exactly the same situation in just a few months time.

Most people spend everything they earn and, worse than that, over 42% of US families regularly spend way more than they earn and end up in horrible, unmanageable levels of debt.

Bad money habits will get you into trouble every time.

Yes, there is a recession and times are tough. That doesn’t help. But, if you have good money habits then you will not have trouble managing your money – even in these times.

So the really good news is that you don’t need more money. You just need to manage your money better. Sound unlikely? Well, it’s not.

You’d be surprised what families have achieved without the pay rise or the new, better paying job. They took control and got rid of their financial stress and worries.

I hear this a lot.

“I’ve used budgets but give up because they just don’t work.”

I’ve seen dozens, if not hundreds of budget systems. Most fail because they are really just a means of tracking expenses – it’s a record of what you spent. It doesn’t work.

Here’s how most budgets work…
You work out your expenses for 12 months and you look at your income. If you have a positive balance at the end of the year, you think…

“I’m OK. I’ll have money left over and therefore I can manage.”

The only thing you know is that you can manage. It’s just a fact and you don’t have any practical guidance. These budgets don’t show you how to manage. And that’s why most of them fail.

Most people look at the annual expenses and their income and say ‘It’s OK, we earn more than we spend. It will all come out in the wash.’ That doesn’t work because all families have peaks and troughs in their expenses and sometimes, in their income.

Some months are real killers – lots of bills arriving all at once. By the end of the year you may be OK but right now it’s bedlam. You’re stressed and worried because these bills need to be paid right now and you don’t have the money.

Don’t leave such an important part of your family’s life in the ‘it will just work out’ basket. That’s way too risky.
You might get by for a few weeks or even a few months but the unexpected happens and then the budget fails.
To be successful you need a better way.

The Home Budget Buddy is Different...

How is The Home Budget Buddy different from all the other household budgets around?
The reasons The Home Budget Buddy has been successful…

REASON NUMBER 1
It’s so simple. After you enter your expenses, The Home Budget Buddy will give you a ‘Daily Budget Balance’ for the next 12 months. Each month you print out your ‘Daily Budget Balance’ on 1 page, put it on your fridge and you then know how much you need each day of that month to meet all your bills.

This System shows you how to manage your household expenses. You can even include long term expenses like a new fridge or washing machine. My system works it all out so that you have the money for even these longer term household expenses. Nothing is left out so your budget does not fail.

REASON NUMBER 2
You’ll know exactly which days you fall short of your ‘Daily Budget Balance’. Home Budget Buddy will tell you how much you’ll need to top up your ‘Daily Budget Balance’. Now, you know that you might need to cut back a bit that week, not go to the movies, get a bit more income like holding a garage sale or selling something on ebay.

REASON NUMBER 3
With The Home Budget Buddy you can put in place a recovery plan for those days where you fall short of your ‘Daily Budget Balance’. For example, from your ‘Daily Budget Balance’ you know that in 7 months you need an extra $800. Now you can plan. You have 7 months to get that money together. It doesn’t hit you at the very last minute when you can’t do anything about your shortfall.

And the best thing…

If you have more money than your ‘Daily Budget Balance’ requires you can spend without guilt – buy a new pair of shoes, go out for a meal with your friends, go to the movies. Knowing all the time that you can still pay all your bills every time.

Now that’s real freedom!

At last you have a budget system that ‘guides your spending’.
Not one that just records what you have spent.

Home Budget Buddy gives you peace of mind.
Not only that, you can easily see any spare money you have available. And that’s great news! No need to feel guilty about purchasing that little “something extra” that you deserve. Wouldn’t that be great?

And what’s more, it’s so simple to use!
If you want to take control of your financial future, if you’re sick of worrying about your bills then The Home Budget Buddy is your answer.

The world of financial freedom awaits you right now. The freedom to live your life as you want, on your terms … knowing you’re in control.

Now, at this stage you’re probably wondering how much this amazing system is going to cost. And the truth is, it’s not going to cost you a penny if you’re not absolutely thrilled! I’ll explain more about this in a minute.
The good news is you won’t have to break the bank to get your hands on it.

It is a bit of a “no brainer” isn’t it? The Home Budget Buddy is by far the most cost-effective solution available.

Here is just 1 example of how you will save money….

Do you get annoyed and frustrated every time you see another late fee added to you account. Would you like to do away with late fees once and for all?

Using Home Budget Buddy you will never pay another late fee.

How much will that save you?

Most people I talk to pay late fees a few times a month. It’s so automatic and so annoying. But let’s assume that you pay just 1 late fee per month. That’s 12 x $35, a total of $420.

That saving alone is more than double what you’ll pay for the Platinum Home Budget Buddy. You’ve recovered your costs and got money in the bank from just 1 item in your household expenses. Just imagine what you can achieve by applying the System to all your expenses.

You can get a lifetime solution with the Home Budget Buddy. You are in total control. You can make adjustments as your circumstances change and you have the program forever. You don’t need to rely on anyone else and you don’t need to pay every year to update your spending plan.

Here’s how a Brisbane father of two used Simply Budgets to get through a divorce, pay off 75,000 worth of debt and survive a redundancy…

I am so sure this system is going to work for you
that I’ll even lend you the best part of $100 for the
next 30 days… Risk free.

In these times I know that you want to stretch every dollar as far as it will go.

To make it easy for you this is what I’ll do…

Just give Home Budget Buddy a try for $1. I won’t require full payment until you’ve tried this system for yourself.

Why am I allowing full access to this
"Best Selling" system for a $1?

There are a lot of ‘budget’ systems out there and most don’t work. So I understand if you are sceptical about the Home Budget Buddy. After all, you’ve been disappointed before.

To make it easy for you this is what I’ll do…

Just give the system a try. I won’t ask for full payment until you’ve tried the Home Budget Buddy for yourself.

I’ll give you 30 days to trial Home Budget Buddy for just $1.

That’s right, you only have to pay $1 today for a 30 day trial of this household budget system.

The Gold Package

If you continue using the Home Budget Buddy after the 30 Day Trial you’ll also receive these 5 bonuses.

FREE Bonus #1
You will get full e-mail software support in the unlikely event you have any questions about using The Home Budget Buddy. The system is designed to provide you with the answers you need. I don’t even know how to place a value on that. But it’s $hundreds!
Say $220 per year.

FREE Bonus #2
Weekly Broadcasts. Every week I send out useful hints, tips and stories about becoming a better money manager. I cover issues like how to reduce your debt and interest, how to increase your income, how to save money on everyday items and much more.
Value $84

FREE Bonus #3

How to Teach your Children about Money Management. This book helps parents teach their kids about money. It gives you a great start to make sure your kids develop the very best money habits early in life. Value $27

 

 

FREE Bonus #4
The 5 Essential Steps To Reduce Your Debt. This is the biggest goal that my clients have. In this report you can see what really works when it comes to reducing your debt. Value $27

 

 

FREE Bonus #5
Rental Property Calculator. With this calculator you can work out what returns you can achieve with different rental returns for any property. It a a ready reference when considering changes in rents. Value $27

Because I’m offering email support (and 5 other great bonuses) I must limit this offer.

The Home Budget Buddy Gold and the 5 bonuses for just $97.
$97 over the next 12 months is $1.86 a week … you can’t even get a coffee for that kind of money and how long will a coffee last – 10 minutes at most. But this program can change your life forever … so you can have a coffee every day and never even think about the money.

Would you be willing to trade a cup of coffee a week for the total peace of mind the Home Budget Buddy will bring into your life … especially knowing that this system will show you where you are probably wasting 10 times that money without even realising it.

The Platinum Package

Do you want to get up to speed in just a few hours and start putting more money in your pocket immediately?

Then access to the Platinum Web video is what you’ll need.

Here’s what you’ll get in the Platinum Package …

These videos are packed full of what you need to take control and master your household finances. In these clips you’ll see me explain in clear, simple language the secrets of great budgeting and how you can keep on top of your bills and even put in place a savings plan.

All these topics are brought together in a way that makes it quicker and easier to clear your bills, get on top of your debt and start saving for holidays and the other good things in life

This system is a best seller with 25,672 enthusiastic customers who know first-hand that the Home Budget Buddy works like magic … And that it works fast!

You’ve got 2 Home Budget Buddy
packages to choose from…

The Gold Package (Home Budget Buddy and Bonuses) is valued at $482.
Yours for just $97. That’s a total saving of $385.

The Platinum Package (Home Budget Buddy, Bonuses and access to the Platinum Web Video)
is valued at $779.
Yours for only $197. That’s a total saving of $528. Great value!

So, to make that crystal clear, here is my offer for you today.

1. For $1 now you can trial The Home Budget Buddy for 30 days.
   
   
2. After 30 days, if you want the Gold Package, I will deduct $97 from
   your credit card and I’ll also send you 5 free bonuses. Valued at $482.
   
   
3. After 30 days, if you want the Platinum Package, I will deduct $197
   from your credit card and I’ll send you the 5 free bonuses and access to
   the platinum Web Video.
   Valued at $779.
   

If you can see that having a ‘Daily Budget Balance’ will mean the difference between forever chasing your tail and enjoying the little luxuries of life then continue using The Home Budget Buddy.

After your $1 trial…

If you are not convinced that you will have a budget that is simple and will get you out of ‘just surviving’ mode and celebrating your financial freedom, then email me and there is nothing more to pay. However, you must email me before the 30 days is up.

And that’s not all…
Your investment is absolutely risk-free.

Here’s why…
I want you to be totally thrilled with your investment so I will guarantee your purchase.

It's Easy To Place Your Risk-Free Order

ORDER ONLINE
The fastest and safest way to order is online. Click here to order your trial (only $1 to pay now), of the
The Home Budget Buddy. You will receive the The Home Budget Buddy system in your email within 30 minutes. Keep an eye out for my email with your download link.

Here’s what you’ll get:

1. The chance to try the The Home Budget Buddy for just $1 today.

2. Here’s the total Gold Package available when you decide to continue…

That’s a whopping $482 in value.
YES! I interested in the GOLD PACKAGE after my 30 Day Trial.

3. Here’s the total Platinum Package…

After your trial you can purchase the Platinum Package. This package includes The Home Budget Buddy, all 5 Bonuses and The DVD Series for $197. The DVDs cover an 8 hour workshop where I explain everything you need to know about successful budgeting.

YES! I interested in the PLATINUM PACKAGE after my 30 Day Trial.

Ask yourself honestly … Are you really comfortable leaving your family’s financial security to chance and hope for the best? Are you going to continue to operate without a plan, just getting by
or do you want to take control and properly plan so that you really start enjoying life.

Here’s to you and your exciting new future.

Warm Regards

Diane Hamilton
HomeBudgetBuddy.com.au
 
P.S. You are in a fantastic position, no matter what happens, as a result of buying this software, you are going to be better off. If the software doesn’t save you at least $2,000, I’ll refund your money and you get to keep the bonuses.

P.P.S. If you don’t order the The Home Budget Buddy right now, how will you know how much you could be missing out on. You’ll kick yourself later to find out that you were paying $hundreds or $thousands in extra interest and fees a day, when you could have so easily saved that money.

To claim your 30-Day Trial Offer you can order right now ONLINE.

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