I've dealt with Carmel from Budget Bitch on a number of occasions. She has helped me with questions I've had concerning personal finances and one day the phone rang in response to a question I'd posed on Facebook. I thought it was such a silly, basic question that I was almost embarrassed to post it but Carmel saw it as the perfect opportunity to help.

Despite her 'colourful' business name, Carmel doesn't belittle people or make them feel inadequate. There's actually nothing bitchy about her and in fact, she's empathetic and compassionate, although firm and fair.

If you seriously want help with your budgeting and personal finances, get real and call Budget Bitch :)

A consultant came to our home and after a couple of hours we had our finances in order, and a budget plan in place. It was so easy! Our consultant showed us how to get organized, so that we can have a deposit for our own home sooner than expected. I am so impressed and a bit embarrassed that we didn't do this ourselves earlier. We should have got them in sooner. Nobody had ever shown us how to do this before, and now we actually have some savings in our account.

Approximate cost: $145