Hey guys! Love the work you have been doing and it’s great to see such passion to help Everyday people get ahead in life! I have bought myself the Start & Build package.
I have been in-depth tracking of my own budget via Excel for over a year now and have made some big strides however, I still found this book quite useful!
The one suggestion I would have is a version of the MoneySMARTS system without a credit card. As someone who had been in credit card debt, I have finally gotten out and going back can be daunting. However, after becoming financially fit, I do see the power credit cards can provide when used properly!
I would also imagine that not everyone could be in a position to get a credit card and if they could, it might only be for a small amount.
To summarise, a version of MoneySMARTS that doesn’t need a credit card.
And for those who would maybe like to implement that, a way to know what card is suitable, e.g how much of a limit to apply for (maybe a formula as a function of expenses). And perhaps some of the things to look out for when looking at different styles of cards e.g points systems, low fee.
