Home Smart 100 2012 Money Rules (SMART 100)

Money Rules (SMART 100)


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The following SMART 100 profile and the information it contains is a duplication of content submitted by the applicant during the entry process. As a function of entry, applicants were required to declare that all details are factually correct, do not infringe on another’s intellectual property and are not unlawful, threatening, defamatory, invasive of privacy, obscene, or otherwise objectionable. Some profiles have been edited for reasons of space and clarity. More about the SMART 100.

Money Rules (VIC)

This innovation initially came to life when…

As an ex-financial planner, clients were constantly asking me for help with managing their everyday money, and nothing was available. Budgets failed to address the problems.


The purpose of this innovation is to…

Show people how to eliminate their debts in the fastest possible manner, saving wasted interest and valuable time.

It does this by…

It provides selectable strategies prioritising the best options to pay down debts and improving cash flow.

It provides numerical and graphical representations so people can learn what is their money and what isn’t.


This innovation improves on what came before because…

At the moment, there are available Excel spreadsheets which provide variations, but nothing as comprehensive or simply understandable. The program shows results through graphical representations which are simpler to see and comprehend.

Its various benefits to the customer/end-user include…

Provides the user with a clear picture, a light at the end of the tunnel, that managing money and debt is easily achievable without the need for financial experts who don’t do this anyway, including banks, financial planners or accountants.


In the past, this problem was solved by…

This problem was not easily solved without an understanding of Excel spreadsheets or just being told to pay more of their debts. But nothing ever showed why or what it would achieve. Money Rules does!

Its predecessors/competitors include…

If a bank or accountant told users what to do, then that was the extent. There is no financial education around debt management or why people need to understand it.


It is made for…

This program was designed for anyone who has debt in excess of $10,000 and wants to know how to manage their money and what to expect if they pay it off faster.


It is available for sale through…

The program is delivered fully online, and expected to also be promoted through mortgage brokers, financial planners, accountants and other outlets.

Our marketing strategy is to…

Bring the program to the attention of the public through seminars, webinars, direct marketing approach to groups, employer unions, etc. which will also be promoted through the normal media outlets as newsworthy items.
The opportunity for associated services is high, and therefore this becomes a membership program.


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