Win 1 of 5 copies of Budgets Don't Work

The Promotion commences on Friday, 11 September 2020 and ends on Sunday, 11 October 2020 at 11:59pm AEDST ("Promotional Period").
You must be aged 16 years or over to enter. Entry is open to Australian residents. Employees of the Promoter and their immediate family and other persons associated with the Promotion are ineligible to enter.
To enter online: You can enter by going to https://www.moneymag.com.au/win and following the prompts to the competition entry page. At the competition entry page, you submit an online entry by completing the entry form (including your full name, mailing address, email address, daytime telephone number and answer in 25 words or less to the competition question and submitting the entry as instructed during the Promotional Period.
Only one entry per person will be permitted.
An entry must not be: (a) late; (b) incomplete; (c) indecipherable; (d) incomprehensible; (e) illegible; (f) unlawful; (g) obscene; (h) defamatory; (i) discriminatory; (j) threatening; (k) pornographic; (l) harassing; (m) hateful; (n) racially or ethnically offensive; (o) capable of encouraging conduct that would be considered a criminal offence; (p) capable of violating any law; or (q) capable of giving rise to civil liability. Any such entry will be ineligible and will be discarded. Any entry that the judges deem otherwise inappropriate will be ineligible and will be discarded.
The Promoter reserves the right, at any time, to verify the validity of entries and entrants (including an entrant's identity, age and place of residence) and to disqualify any entrant who submits an entry that is not in accordance with these terms and conditions or who tampers with the entry process. Failure by the Promoter to enforce any of its rights at any stage does not constitute a waiver of those rights.
The Promoter is not responsible or liable for late, lost or misdirected mail enclosing an entry, or an entry not being received by the Promoter for any reason whatsoever.
Any costs associated with entering the Promotion, including data costs, are the entrant's responsibility.
The Promotion is a game of skill; chance plays no part in determining the winner. Each entry will be individually judged based on its literary, artistic and creative merit. The judges' decision will be final and binding on every person who enters. No correspondence will be entered into.
Failure to comply with these terms and conditions or any other applicable terms may result in disqualification and/or forfeiture of prizes at the Promoter's sole discretion.
You warrant to the Promoter that your entry is an original work that does not infringe the rights of any person. You warrant that you own or have all necessary licences, rights, consents and permissions to use and authorize the Promoter to use all trademark, trade secret, copyright or other proprietary rights in and to your entry to enable inclusion and use of your entry in the manner contemplated by these terms and conditions. If any part of the information provided by you in relation to you entry was provided by a third party, you warrant that you have obtained the relevant copyright permission to submit the entry for the purposes of the Promotion.
You indemnify the Promoter against all claims and costs by third parties arising from a breach of the warranties contained in these terms and conditions.
You grant to the Promoter an irrevocable, worldwide and perpetual licence to use your entry in any manner and for any purpose at its absolute discretion, including using your entry in connection with book publication and promotional, marketing or publicity purposes without any further reference or payment or other compensation to you. The Promoter may amend, edit, select, crop, retouch, add to or delete from any part of your entry.
The Promoter will not be liable for any breach of copyright in connection with your entry. You will be solely responsible your entry and the consequences of submitting it.
The Promoter may use and may permit others to use your entry at its absolute discretion, including in connection with a story or feature on the Promotion to be published in any of its print or digital publications, without further remuneration or reference to you.
Judging and award of prize
The judging will be conducted by a panel of judges appointed by the Promoter. The judging will take place at Rainmaker, and will begin on Monday, 12 October 2020.
The 5 best valid entries as determined by the judges will win the following prize(s):
5 x Budgets Don't Work (But This Does) book valued at up to AUD $29.99 each.
The TOTAL PRIZE POOL IS VALUED AT UP TO AUD $149.95 (including GST).
The winner will be notified by telephone and in writing within 7 business days of the draw using the contact details provided in their entry.
The winner must take the prize as offered. The prize, or any unused portion of the prize, is not exchangeable and cannot be redeemed as cash. The prize cannot be used in conjunction with any other special offer.
If, for any reason, the winner does not take the prize at the time stipulated by the Promoter, the prize will be forfeited by the winner and cash will not be awarded in lieu of the prize.
If a prize, or part of a prize, is unavailable, the Promoter may substitute an alternative prize to substantially the same recommended retail value and/or specification, subject to any written direction from the various regulatory authorities.
Prizes
The prize will be delivered to the nominated address of the winner, provided that address is in Australia. The Promoter is not responsible or liable for any delay or failure in delivery of the prize by a third party or for any damaged caused to the prize during delivery.
The prize does not include any ancillary costs associated with redeeming the prize, which are the responsibility of the winner.