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Live a fulfilled Life! Start where you are..

Smart Women, Smart Habits is more than just taking on powerful habits. It’s about learning to handle your money.

It’s a new way of living. It’s a mindset shift.

This book is about learning the difference between ‘entitled spending’ and ‘intentional spending’.

It teaches you the very essence of the journey that can radically change your lives forever. An actionable guide to create a new you.


This book shows you the following easy-to-follow steps.

  • How to identify what is really important to you.
  • Remove overwhelming debts and repay all debts.
  • Maintaining positive money habits by removing sub-conscious, self-limiting beliefs.
  • Create and incorporate new habits and rituals as a part of your daily living to achieve a sustainable happy life (including your money life).
  • Set goals that will motivate you to achieve them!


Obu Ramaraj is a successful entrepreneur, author, and speaker. She is the CEO of Smart Money Solutions, a mortgage broking firm established in 2009. Her book “Smart Women, Smart Home loans” has helped hundreds of Australian home owners make the best choice with their home loans and save dollars on unnecessary features.

Setting up a business from scratch, she has explored life beyond just building wealth. Obu is a certified multiple Brain Integration Technique (mBIT) coach.

This book is a sharing of her journey on taking control of money and also explores life in its wholeness. It is about how you too can live a happy, abundant life.

Learn Powerful Practices To Create Your Ideal Financial Future. Live A Happy, Abundant Life!