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No Budgeting

You can forget about that word - budget!

Money Rules will show you how to manage your life free from restricted living without needing to scrimp to get through from one week to the next.  

Money Rules Was Developed For Women

But that hasn't stopped men from wanting to use it as well...

Simplicity is the secret to how Money Rules works. This is not some complicated program that requires a degree in mathematics. You will quickly understand how everything follows an easy and simple flow.  

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Easy To Use

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Fast Results

There's nothing more satisfying than seeing a great plan come to life. Using Money Rules regularly means you will achieve your goals far more quickly than you ever thought possible. The best part is that you can beat those goals.

Financial Plan

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Failing to plan is planning to fail. Money Rules works with your current income and expenses to help you plan a path to financial freedom that is real and easily achievable. You won't need to be eating packet noodles for years on end.

Money Rules doesn't just save you years of wasted interest and lost time to get you debt free far sooner. It also shows you how to use that very same money to create your future wealth just on your current income.
This is your financial plan.

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Future Proof

The greatest benefit of the Money Rules program is that it will show you how to quickly and easily eliminate all of your debts and take back control. No more wasted money lost on interest and fees so you will save years of time.  

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Core Benefits 

Money Rules is about fast results for action takers.

It is simple to use so you can see results within seconds of entering or updating your information. 

Although the program is brilliantly simple, entering the data alone will not make it work.

It is only by taking continuous action that will see the results turn into reality.

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Money Rules is simple and effective from the time you select your strategy

Money Rules will guide you through the maze from beginning to end 

Money Rules allows you to predict and control your financial destiny 

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​​​​​​​... and support is always available

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All they (budgets) do is give the bad news you didn’t really want to know. I’ve had lots of them… 

Having seen your ‘brilliant’ program, people need to know what is ‘possible’ not what isn’t possible.

They need to be reminded of their dream, and be able to have small rewards along the way.

Otherwise it’s just too hard and not worth doing. Well done …

Alison Trebilco - Australia


Within hours I was online with Money Rules loading my personal expenses and seeing how my situation is.

Simple, fast and great way to track where my money is going. Love the drop down box, serves as a great reminder and so many things we spend on that is easily forgotten.

Not only should you grab a copy, but get one for someone you love, then all you have to do is implement.

                                                                           Silvia Tomarchino  -  Australia

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Dearest Nobby Kleinman,

Money Rules is an incredible financial tool that has given us a crystal clear reality check of where we are heading financially. We call it our Financial Success Roadmap rather than referring to it as a budget.

The program is so much more than just another boring old budget. It provides a wealth of information including graphs, forecasts and an ability to easily identify where things need to change.

After losing my job we were feeling overwhelmed dealing with a variety of income streams and expenses relating to a large property portfolio, a small business and just one salary.

Money Rules has provided an insight into our situation that we have never had before and set us up for a future where we have been given a new direction, can manage comfortably and feel in control again.

Thank you once again for your generosity and kindness.            

                                                                                                    Jo Cenko  -  Australia

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Dearest Nobby Kleinman,

I’ve already (in the last 2 weeks) paid $1000 off our Visa Card debt (permanently), revisited all of our insurances and we will be receiving hundreds in refunds from them with an additional 20% savings on our new policies (YAY!)

We’ve also made further savings on our weekly groceries, phone usage services with extras that don’t cost any more and cut out some non-discretionary items such as alcohol, thus reducing our expenditures by HUNDREDS per month and THOUSANDS per year. All in just 2 weeks !!! Imagine what I can do in the next year!

You know… I spent years doing all of this on excel spreadsheets (which I am ok at but NOT GREAT), I over-complicate things and make it impossible for my Hubby to navigate or use. It’s just not user-friendly for him, then it becomes too hard for me. what I like about the Money Rules is that as I tweak things I can see in the graphs where I am saving and I get excited because I can see that it’s going to be ok, in fact, it’s going to be great, we will be reducing our debts sooner than the contracts which is so exciting, it means we can plan to save, sooner!

So thank you thank you thank you for getting my HEADSPACE in the RIGHT PLACE and giving me the tips, resources, and tools to change my poor money mindset to a more positive GET GREEDY mindset. I really hope many others get on to this Program and read your book because I know you and what you have created is going to make a massive difference to families and individuals and the economy around the world! How could it not!

So here’s to You “raises cup of tea” with the greatest respect, admiration, and gratitude for helping with the shift, which no one else has been able to do.    

                                                                                                     Heather James  -  Australia               



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Money Rules Will Save Your Future

Our hectic modern life is continually evolving, and although

the cost of living increases daily, incomes fail to keep pace.

Each day becomes more expensive just to survive. 

Making ends meet is harder than ever with more than 70% 
of families living pay check to pay check and using credit cards to meet the shortfall.

Those who fail to address the problem immediately will become long term victims and can expect to live in poverty. 

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You will save years of wasted time

You will save thousands in wasted interest payments

You will create your future wealth just on your current income

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The sooner you start to manage your money,

the sooner you'll experience the freedom it gives.   

Money Rules was designed to keep more of your money in your pocket

Reduce your debt as well as your stress while not having to change your lifestyle!

Reach your personal and financial goals sooner. This is the stuff banks don’t tell you!

Chris Georgopoulos – Melbourne

Detail and clarity of one’s financial status when implementing program. How easy it is to use

Stella Papas – Melbourne 

The ease of implementation. Pay debts out quicker. The whole thing was interesting

Helen Rosenberg – Melbourne

Savings – spur me on to make changes. Easy to use

Kylie Farrugia – Melbourne

You will be able to easily manage your finances and save time and money

Linda McDonald – Melbourne

Great system. Pay debt off first and keep track of your life. Share it with your partner so you can work as a team.Graphs were awesome! Easy to operate.

Dee Tran – Melbourne

Financial stability and taking control of your future and cutting down the expenses.

The future of my finance

Kim Wood – Melbourne

Recommend for fast debt reduction and saving of significant amount of interest – leaving money free for saving (to spend

Elizabeth Sayers – Geelong

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This is what women had to say about Money Rules

Which is the best plan for you?




​​​​​​​​​​​​​​​​​​​​​Choose once only or ongoing monthly subscription









We have a pretty good record for fast response

Have questions? Contact us now.

'The secret to money is not how much you make, but how much you keep'

                                                                                          ... Nobby Kleinman

Imagine having both a crystal ball ​​​​​​​and road map to your financial future

Imagine how fantastic you will feel when
​​​​​​​you are debt free and wealthy

If money wasn't a problem what would you be doing now?




 Wipe off tens of $1000's on mortgage & debts


 Slash repayment times by half or more

 Get out of debt far more quickly

 Learn how to live financially carefree

 Create your future wealth ...

 ​​​​​​​All just on your current income

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Have trouble managing your money

             ... but hate budgets?

You don't need a financial plan​​​​​​​

You just need a money plan!

What Is Money Rules?


Money Rules operates on money in, money out and debt.

The program calculates various factors such as interest
rates and a user selected strategy. 

It will then provide the optimum order to pay out debts to   
minimise interest and/or time for payouts to provide the maximum savings in time and money.

Money Rules is a straight-forward program which provides

calculations and guidance in respect of the order in which to pay down debt each month until such time as all debts are cleared. However, it is advisable to have an accountability partner to remain on track. You can arrange for private tuition with a certified coach or accountability partner.​​​​​​​


The simple answer is NO.

There is no need for account details and no information
is ever shared with any other organisation.                 

Personal details do not identify any individual person.
Information is collected in order to allow resources to be
allocated for further 
product development.

Nothing at all. You will be provided with a password and username  which you can change. The program is stored and managed in a secure and isolated cloud environment and as such, accessible from anywhere with an internet connection.

You can use Windows or Mac to operate Money Rules. 


Money Rules is normally a once only investment unless purchased on a subscription basis.

The only extra charge is to an authorized or certified person who may act as an accountability coach or partner.

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Are There Ongoing Fees?

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 Do I need to install anything?

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Do you offer training?

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Do I need to provide bank details?

How Does Money Rules Work?

Money Rules is web-based program which calculates the most cost

efficient method of paying out debts using current income and then

to calculate future wealth. As with all calculations, end results will

vary for every person and results are dependent on human actions and involvement. All calculations are factually based on information

provided at the time of input.

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A man is not a plan ...!

Women are at greater risk of living in poverty due to lower incomes,

lesser savings, domestic violence, illness, divorce, and widowhood.

It is estimated that two-thirds of the poorest pensioners are female.

Women comprise more than 44% of those who are homeless and poor.

Financial security is of greater importance than relationship.

A recent study found 49% of women between the ages 25 >75 reported being fearful of becoming 'bag ladies'.

Running out of money is more frightening than running out of time. 

Frequently Asked Questions

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You can go ahead with complete confidence. Buy MONEY RULES and put it to the test for the next 30 days.

The worst that can happen is that you spend some time getting to know your finances. 

You will get to see how many wasted years you will continue paying off your debts.

The best that can happen is that you get to know what your financial future looks like.

​​​​​​​You will see how quickly you can eliminate your debt, how much money and all those lost years you can save when you stop paying wasted interest.

Money Rules will give a glimpse into your future wealth, so that you can predict the lifestyle you will be able to afford or plan ahead.

If you have debts and want to pay them off far more quickly with a proven system, then you can buy Money Rules with total confidence.

If for some reason Money Rules does not show savings in overall debts of at least 10 (ten) times the investment in the program, then you should ask for a refund of your money which will be happily provided. You will see your saving milestones during the first strategy session when pushing the button inside the program.
So you can go ahead with total comfort knowing that it will work for you or your money back. 

You will see how much wasted interest you will pay.

How Will Your Life Change

When Money Is Not An Issue?

I'll even show you how to get it for nothing!

If you choose monthly you can always upgrade to one time.

But first things first!


Let's quickly get you organized on your way out of debt and despair

From the author of 'Rich Girl Poor Girl ' and
'Want More Money Honey​​​​​​​' Nobby Kleinman shows you the fastest way to get control of your money, so that you can eliminate debt, transform your life and create your financial future just on your current income.

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With more than 30 years experience in financial advice Nobby understands the everyday struggles you have to contend with.
That's why Money Rules gives you an easy process and clearly marked roadmap to take you from where you are to where you want to be.
When is now, a good time to start?

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