Free: Step 1 of The 12 Step Prosperity Plan. They say:is an internationally renowned money mentor and financial author … (her regular TV segments include Channel 7’s The Morning ShowDaily EditionSunriseToday Tonight, and Channel 9’s Weekend Today show). A qualified financial planner, Nicole is the author of two plain-English books on making money: Double your wealth and halve your worries and Halve your debt and double your freedom.Nicole’s writing has earned her top personal finance awards in both the United Kingdom and Australia. Her career credits include founding and editing The Australian Financial Review’s Smart Investor magazine, and reporting and editing for the magazine arm of the UK’s Financial Times. For the last decade, Nicole has been Fairfax’s highly popular Money Matters columnist, appearing on all Fairfax websites and in The Sun-Herald and The Sunday Age newspapers … She talks money without the mumbo jumbo – fixing your finances is not nearly so hard as other experts like to make it sound. Indeed, she believes prosperity is possible for everyone.”