“The tone of The Savvy Woman’s Guide to Financial Freedom is very friendly, warm and conversational, as if all the advice is coming from a (very expert!) girlfriend over a latte.”

“She encourages positive thinking, and pushes you to work hard. Whether dipped into or read from cover to cover, this book has most of the answers. Follow Hayes’ advice, and you are well on the way to achieving financial independence.”

“Your book was not only the first step in financial guidance, it actually allowed me to think for myself in making steps 2,3 and beyond. This is, I suppose, the difference between your book and the other books out there that ‘promise’ to change everything. The ‘others’ miss the point that at the end of the day, it is imperative that the individual is not only told what to do, but they get to be in control and get creative with their own ideas and wants.”

“Last night I was able to see areas where I can cut my costs, and how I can do that. And for the first time after several months of going into over draft, this month, because of sticking to the budget, I had £311 left in my account.  Now I can use that towards clearing off my credit card debt. In the past I could only pay a minimum amount on the card, now I know that if I stick with the budget I can clear that debt. I got the enthusiasm to start doing this from reading your book.”