Frequently Asked Questions

Q: Why would we take money out of the bank and put it into jars?

A:Banks only work for you when you have money in your account!  When we started using eftpos and credit cards, internet and phone banking, we started to mismanage our money big time.  

Very easily we spiral out of control with our debt, not just because we overspend but because we don’t leave enough in our accounts for automatic payments or large infrequent bills and furthermore we ignore overdrafts and visa debt as they grow with interest daily!  

Our unique calculating system will calculate your long and short term bills, dividing these amounts into three which represent three jars.  The reason for the jars is purely to bring your spending into your consciousness, and to work off a strictly cash only budget, which will allow you to literally see and work with your money.  Using jars can also be beneficial to;

•Teach kids about budgeting, 

•Motivate you and your family to manage money properly,

•Make becoming debt free a fun process, and to

•Show your family and friends that you are serious about getting out of debt

Q: Why shouldn’t I go to a financial planner or invest my money instead of using jars?

A: Financial planners can be very expensive and often all they do is work out your budget.  You can do that!  It's then up to you to figure out what to do from there.  Organiseyourmoney.com helps you with putting your budget into action. Once you pay down some of that high risk debt, that is; credit cards, loans with high interest rates, hire purchases and overdrafts, then you can start thinking about making your money work for you.  This would be the time to look at investing and saving.  This is something a financial planner can help you with. 

Q: Can I do my own budget and get my own jars?

A: You can!  It’s as easy as that.  However Organiseyourmoney.com has a clever and thorough calculating system that works out to the last cent, how much goes into each jar each week.  You can do this at home but it takes a long time and becomes tricky with bills that are quarterly or that are infrequent as we say in our system. 

It only takes a short while to enter all your data into our calculator and seconds to calculate for an entire year how you will need to budget your money.  Also our calculator will divide your bills into three sections representing three jars; Frequent, Infrequent and Everyday Spending.  Once you have your budget overview, we give you instructions on how to use the system.      

Q: Why would I spend more money on your product when I’m already in debt?

A: It’s simple.  You need a plan otherwise it’s a vicious and never ending cycle.  For the small amount we charge, you can get on track quickly and easily.  You’ll spend more on overdrawn fees, late fees, interest charges and other bank charges in one month that you would purchasing our budget kit.  So the quicker you sign up, the quicker you get control of your life. 

Q: There are free calculators online, why should I pay for one?

A: Great question!  You just need to Google ‘free budget calculators’ and exactly 467,000 options come up.  You can literally take your pick.  Organiseyourmoney.com helps you to go one step further.   We offer a step by step process, which tells you exactly what you need to do each week. A professional looking budget pinned up on the fridge is not action.  How many budgets have you made just sit there and collect dust? Using our budget kit is being proactive in getting you back on track.  You are taking control of your money instead of it being in control of you and our system is a fun way to get out of a bad situation. 

Q: Should I be saving money as well?

A: Yes, if you can afford it! But it’s much wiser to pay down your high interest debts first because basically that extra money (the interest you pay) is going straight down the drain.  Once you’re on your feet, you should then start saving. But first, pay down your debt!

Q: How can I stay motivated?

A: This question is key to your success.  It can be very hard to keep on track when there are so many temptations.  There is no one method that you can use to keep you motivated and so you have to get creative!   We believe the Organiseyourmoney.com budget kit concept is a creative way to get you engaged.  Some people may laugh at the thought of putting money into jars, but here’s a little quote we love,

'Insanity – doing the same old things, the same old ways and expecting different resuls'

If you’ve tried one way or several ways to get out of debt and is hasn’t worked for you, it’s time to give something else a go.  The most important thing to remember is that motivation is a fun emotion, so what ever you do try to make it enjoyable.    Brainstroming with your friends and family is a good way to stay motivated.  Come up with some fun and unique ideas that suit you or your family to help you stay on track.  We are here too.  Don't forget to email us before you lose track, so that we can keep you on it.

Q: How soon will I get my kit?

A: Australia Post quotes 10 working days both within Australia and to New Zealand.  When you finish creating your budget with Organiseyourmoney.com, your kit will be made up and posted the next business day. 

Q: How do I pay?

A: Organiseyourmoney.com accepts Visa and sincerely hopes it’s the last purchase you’ll make on your credit card!  We also use PayPal.  Money can be deducted straight from your bank account.  This is a safe and secure way to buy anything online.  You can link up your bank account to your PayPal account.  Simply go to www.paypal.com

Q: How much does it cost?

A: To use our unique calculator and to receive the budget kit, it costs $59.95.  There are no other hidden costs.  In fact we offer many freebies to help keep the costs low for example free postage and handling.  Don’t forget to check out further ways you can save on the overall cost of the budget kit.

Q: When will I start to see results?

A: Another good question.  This all depends on how much debt you have and how much you are paying it down each pay period.  Of course the more you pay the quicker you see your debt reduce.  After a while you will start to see results and hopefully this motivates you into sticking to your goals. Organising your money helps you to not get into further debt as well as helping you to organise reducing your current debt.

Q: Is there any way I can fast track reducing my debt?

A: Holey cow yes!  There are hundred of little things you can do to reduce debt.  Please check out our Free Info page.  There are all sorts of ideas, for example, you may have 500 dollars worth of things you don’t use just lying around the house.  Sell them!  These ideas will all help to reduce your debt very quickly. 

Q: Why set goals?

A: Why work so hard for something if you don’t have any rewards.  This is an important part of our budget kit.  You need to visualize what it is you are trying to achieve.  If one of your goals is to buy your own home, start acting as if that will happen in the near future.   What do we mean by this?  Ok, write a list of things down that you need to do or think about if you were going to buy a house.  Here’s an example;

Goal 1 – Buy my own home

To buy my own home I would need to;

1. get rid of small high risk debt

2. cut up my credit cards

3. start saving my deposit

4. start looking at the housing market – how much deposit will I need

5. meet with the bank – let them know you’re serious about making this commitment

The list above becomes the action you need to take. Step by step you can begin to do each of these things. 

1. Get rid of small high risk debt: Organise your money/create a budget and include debt repayments

2. Cut up my credit cards: You can do this immediately.  Or if you really think you might need the credit card in case of an emergency, send it to someone for safe keeping

3. Save my deposit – this you can also do straight away.  Get a tin that you can’t open and put every single five dollar note that passes your way, chuck it in.  You will be so surprised when you open it up in a years time.

4. Start looking at the housing market – visit open homes, look at the real estate guides.  Speak to agents and start acting as if this dream is just around the corner

5. Meet with the bank – this is very important, they will tell you how much you’ll need so you have a goal. 

One goal, becomes a list of action. As you can see from our list, none of these tasks cost a lot of money if any at all, but you are beginning to create change for yourself by doing.  There's no point in visualising and waiting for things to magically appear.  You have to make change happen.  The more positive change you create = the more frequent postive events will occur, and this is because you will be attracting them into your life.  This is how the law of attraction works.  

Q: Does Organiseyourmoney.com advocate never using credit again?

A: Well, Yes and No.  It depends.  If you can control the credit then it can be a very useful financial tool.  This would mean paying off your credit during the interest free periods, or paying off your hire purchased items before the interest free period runs out.  However, if you can’t commit to this type of control over your different credit options, then we do suggest you live a cash only lifestyle.  Some people who have done financial freedom workshops live only on cash, even when purchasing a house!  Imagine that!

Q: If I don’t see results do I really get my money back?

A: Yes.  If you have absolutely stuck to your budget plan, and paid down your debt each pay period, and you don’t see results then we will refund the cost of the budget kit less postage and handling. *Terms of Trade 

Haven’t answered your questions? 

Email us and we will be happy to answer any more questions.  If you would like us to call you please be sure to include your phone number and a suitable time.