'It's a simple, no-nonsense book that will help anyone, even those who admit to having little financial nous. There's no doubt by the end of this book significant savings can be made that will hopefully help households have a little extra money in their pockets as they start the new year.' -- <B>Sophie Elsworth, <I>The Herald Sun </I>& <I>The Daily Telegraph</I></B> 'Not every house has a Joel. But every house should have this book.' -- <B>Karl Stefanovic</B>