Your Program Has Been Invaluable

I (began) your program in August 2003 and I have to say it is a wonderful budgeting tool. We arrived in Australia from the UK in September 2002 and have had to readjust to the Aussie way of putting all bills on a credit card and paying it off at the end of the month. We were debt free in the UK (except for our mortgage) and very rarely used our one and only credit card. As UK banks don't have high banking transaction charges in the same way Australian banks do, we previously paid all our bills by monthly direct debits. We were quickly told by our financial advisor that this would “sap us dry” in Australia so we had to totally change our budgeting mindset. Your program has been invaluable in helping us adjust to the rolling debt a credit card carries even if you pay it off in full every month. So a big thank you!