Beating the Budget Blues: Community edition


This free watermarked PDF version is available for use in the community; you can purchase a print version via


Product Description

Money is one of the most valuable resources you have, respect it and use it carefully and wisely. Always give plenty of thought on how and when it should be spent on retail goods, services or assets”.

This book provides highly practical advice for New Zealanders on setting up a personal or family budget, including a wealth of contacts for agencies and services that can help you to live economically and make the most of the resources you have. The author, Don Bell, has many years of experience as a budget adviser, and is also a horticultural expert, which means the book has many practical tips for managing your finances, and growing your own food, as well as recipes for healthy meals that can be prepared economically.

[This community edition is available for free download; to obtain a full version without the “Community Edition” watermark, please see the book’s main page at]

To obtain this free version, add it to your shopping card, and go to the checkout; you won’t need to pay anything. Once you’ve been through the checkout, the final web page will have a link where you can download the file.