Carmel McCartin has had many life experiences; from being a travel hostess and restaurant manager to a mortgage broker and budget consultant. These have provided her with a considerable insight into just how money can work better for anyone. Money Tips - The Book of Don’ts is Carmel’s first book. She is also the Managing Director of Budget Bitch Pty Ltd, a boutique budget consultancy business. Many of her clients have been able to get their budgets in shape, leading them to better financial health. This book has been written to provide easy and straight-forward tips for anyone wanting to change their money habits.