WANT TO GET OUT OF DEBT AND LEARN HOW TO FINALLY SAVE MONEY FOR YOUR DREAMS?
Once you see how POWERFUL this system is for budgeting your money STRESS-FREE, you’ll wonder why no-one’s shared it with you before…
The ‘Bright Spenders Spending Planner & Debt Buster’ Program!
Discover How To Quickly and Easily Budget Your Money So You Can Pay Off Your Debt Once and For All, and Start Living Your Dreams.
Leading personal finance coach, Anthea Falkiner, reveals the exact workings of her highly successful Spending Planner Program responsible for families all around Australia finally reaching their financial goals.
It’s essential knowledge – even if you’re on a low income!
Your Leading Personal Finance coach, Anthea Falkiner
“The “Bright Spenders Spending Planner Program” will help you get your debts paid off fast. With just 20 minutes of your time each week, you can forecast the perfect spending year, manage your finances with ease, and have the peace of mind that all your bills will be paid on time.”
Dear Fellow Aspiring Saver,
(whether you’re married or single, on a high OR low income)
Earning a living and paying off debts can be a real struggle – no matter HOW much you earn – I get that.
One of the advantages of having worked with all sorts of income earners, across many different industries, is that I’ve done my 10,000 hours.
I’ve worked as a Budget Coach with dozens of individuals and businesses across just about every industry, from accountants and advertising gurus to yoga teachers and landscape gardeners, and just about everything in between.
No matter what industry or level of income, we’ve found that, like a doctor, we prescribe the same medicine over and over again, to help people get their money on track, pay off debts and starting saving for their dreams..
Did you know that most people, regardless of how much they earn, struggle with the same things around money?
Would you like to know how to…
- Manage your cashflow so you get ALL your bills paid on time, every time, and don’t have to stress about it.
- Spend less than you earn so you can put money away for the future or for emergencies.
- Pay off your bad debts fast to free up all of your available income for the things you truly value.
- Take advantage of pay on time discounts.
- Build a financial nest egg for the future.
- Save for important life goals like owning your own home, paying for kids private schools or travel.
- Build a long-term sustainable money management system that is completely customizable and for every life stage.
- Nurture, build and maintain great relationships with your partner and children around finances.
- Teach your children how to be effective money managers.
- Manage cashflow for More Cash in the Bank
- Engineer your dream lifestyle
Have you ever wondered why it’s so hard to pay off your debts and get ahead?
Are you stuck because you have no real budget planner for managing your money, and zero time to manage it anyway?
And how DO you actually ‘spend less’ when the cost of living goes up every year?
I Totally Understand
It’s not your fault. You’ve probably heard a million opinions and got some free advice (usually worth what you paid for it), and you’re more confused than ever…
That’s OK. This is what I do. I’ve helped countless others like you, with very big debts.
Help is on the way.
You can’t be expected to know how to get your debt paid off without the right information, the right support, and the right tools to get on track and stay there.
Even if you’ve used excel spreadsheets and budgeting apps to try and manage your money, or kept receipts for every purchase, those things won’t help you plan your money in the future, or help you off the debt treadmill.
They’ll just tell you what you SPENT money on.
What matters is first understanding WHAT the missing link is, learning HOW to manage your finances with the most effective system possible, and getting support to stay on track..
Keep Control of These THREE Things
The THREE main areas where people struggle with paying off debt and getting ahead are:
Knowing exactly HOW MUCH money you need in the bank right now to cover ALL your future expenses, AND knowing WHEN you can spend money and when you can’t.
Planning for predictable expenses but also ‘unexpected’ expenses (like replacing your fridge, which will break down sometime in the next 10-12 years, right?)
Staying focused and committed to getting your debt paid off fast while still being able to have a great lifestyle.
Has Debt turned you into a flea in a glass jar?
Having worked with many, many clients to resolve their debt issues I’ve noticed a very common phenomenon.
After a while debt starts to numb you into denial. You start to accept the debt as your LOT in life, and that there’s nothing much you can do about it.
Ironically my clients started to spend MORE money as a way of avoiding their feelings around the debt.
It reminded me of the flea in a glass jar experiment. Have you heard about it?
In an experiment, a scientist placed some fleas in a glass jar. They quickly jumped out. Then he put the fleas back into the jar and placed a glass lid over the top. The fleas began jumping, hitting the glass lid, and falling back down into the jar.
After a while, the fleas, conditioned to the presence of the glass lid, began jumping slightly below the glass lid so as not to hit it.
The scientist then removed the glass lid, as it was no longer needed to keep the fleas in the jar.
The fleas learned to limit themselves from jumping beyond the height of the lid, even if the lid was removed, as they had been conditioned to the fact that they couldn’t escape from the jar.
I want to help you lift the lid and get free again.
Your debt is NOT you, and it’s not your fault. It’s the system that’s broken.
Did you know there’s a number MISSING on your bank statement?
Did you know that when you log in to your bank account there’s a number missing?
All those numbers and the most important number ISN’T THERE.
The banks don’t even know it’s missing..
And without that number it’s IMPOSSIBLE for you to know whether you’re overspending or not.
YOUR missing number is the number your bank balance NEEDS to be TODAY to cover all your future expenses.
That’s why I keep saying, it’s not your fault! If you don’t know what your bank balance needs to be TODAY to cover all your expenses, how do you know when you have spare money to spend?
This program will teach you what YOUR magic number is, and unlock the secrets of great money managers the world over.
When you see how empowering having YOUR magic number is, every day, 365 days of the year, you’ll wonder why you hadn’t learned this system YEARS ago.
The Secret to Paying off Debt FAST & Peace of Mind for You as the Household Money Manager
A Spending Planner is the ONLY professional who can teach you how to get your debts paid off and set you up with a system that you can use for life.
Your accountant can’t show you how to do it – They’ll look at what you spent and work out a way to minimize your tax.
A financial planner can’t show you how to do it – they’re great if you already have savings and are ready to invest.
A book-keeper can’t show you how to do it – they’ll show you how to keep beautiful financial records.
No-one else teaches this stuff, which is crazy because it’s one of life’s most important things to learn.
Sadly, Financial IQ and a great money management system, are the missing pieces of the puzzle for most Australians today.
And it’s crazy because money stress keeps people up at night, damaging their relationships and health.
How’s your sleep? Your health? Your relationships?
Read on and I’ll show you exactly how I’m going to teach you to manage your money, taking the pain out of budgeting once and for all.
How This All Came About
Here’s my story…
I’m the first to admit my faults. Especially around money.
I, like most people I know, was never taught how to manage my money.
At 18 I was given a credit card and, later, a bunch of shares from my grandparents without any instruction manual for how to use and manage either.
Years later when I married I found myself still with that credit card debt, a massive mortgage, two kids, a casual income and bills piling up all around me, and no system to manage it all.
My dad said, “You guys are a train smash waiting to happen.”
I totally didn’t want to hear it. Instead I stuck my head in the sand and hoped it would all work itself out without me having to do too much.
But that didn’t happen.
It got to the stage where the money stress was starting to affect my marriage. We were mortgaged over our heads, and having to refinance again and again to cover our
My husband asked me to sell my shares in order to pay a debt, and I started to feel resentful.
Luckily a very good friend, Tania, said to me, “Anthea, you need to take control.”
With those 6 words she jolted me into the reality that if it was to be, it was up to ME.
I looked around for a solution to the problem. I read books about budgeting, tried excel spreadsheets, various apps and collected receipts and wrote down everything we spent money on for at least a year.
All of it helped a bit, but it never really solved the problem. Budgeting showed me that it was possible to pay all our bills, but didn’t show us HOW to do it. We’d write out a budget and then, a few months later, be wondering where that bit of paper was!
And then I came across this living, breathing (almost!), dynamic system which has now helped more than 30,000 people manage their finances with ease and finesse.
I started using this system. It exceeded my expectations by 200% or more. It was like having a budget on steroids!
All I had to do was to learn the system, plug in my details, expenses, income, including all the known and unexpected expenses that I could predict, and it would spit out a crystal ball view of my finances for the next 12 months.
So then what happened?
From then on, we always just knew that we had enough to cover everything plus a little bit more.
Seeing it all so clearly was super motivating and allowed us to pay $50K off our mortgage and buy two investment properties within the first two years that we were using our new system.
Over the next 8 years we seemed to always find ourselves feeling good about money, even pinching ourselves, and arguments about money reduced by about 1000%.
I told heaps of my friends about the system, and the ones who decided to try it had exactly the same result.
By then so many people were asking me for help managing their money, and we were getting such good results, that I decided to dedicate my time to it.
I wanted to help more people like you and I, reduce stress and create the financial freedom you want and deserve.
That’s when the ‘Bright Spenders Spending Planner Program’ was born – The perfect combination of education,
mentoring and support combined with incredible software that’s like a GPS system for your finances.
I resisted the idea for nearly 2 years, but Tania was right.
This system is incredibly powerful for people wanting to pay off their debts and finally get ahead.
It’s helped thousands of individuals and businesses already.
I knew I didn’t have some ‘super power’, and that you couldn’t learn it for yourself.
So many of our clients are taking our proven step-by-step system, implementing it for
themselves and getting the same results we did.
We believe it’s…
The Best Budget Planner For Creating Savings and Eliminating Money Stress In The World.
The Bright Spenders Debt Buster & Spending Planner Program is Your 6 month Comprehensive Training Program for Getting your finances on track once and for all.
We Leverage the Very Latest Money Management Strategies, Mindset & Financial IQ…
The Bright Spenders Debt Buster & Spending Planner Program is designed to enhance your:
ABILITY TO GET YOUR DEBTS PAID OFF FAST
ABILITY TO SAVE FASTER FOR YOUR GOALS
MOTIVATION AND CLARITY AROUND MONEY
FINANCIAL GOALS & IQ
WEALTH CREATION MINDSET
PEACE OF MIND
You May Be Thinking, ‘So What Am I Going to Learn and Achieve in the Spending Planner Program?’
That’s a fair question…
There are THREE phases you’ll go through on your way to money management success.
In the FIRST phase we:
- Guide you step-by-step through the process of setting up your personal Budget Planner (aka. Your Spending Plan)
- You’ll receive one-on-one mentoring with your personal Money Coach, a fully certified Spending Planner who’ll help you optimize the system for your lifestyle.
- By the end of phase 1 you’ll have the right bank account structure set up, be gathering your expenses, and entering them into this powerful system.
In the SECOND phase we:
- Work with you to ensure your success in using the plan.
- We’ll keep in touch weekly to make sure you’re right on track, holding your hand every step of the way.
- We’ll expect you to keep in touch too so we can monitor your progress.
In the THIRD phase we:
- Tweak your Spending Plan to Fast-track debt reduction and increase savings.
- Meet one-on-one every month (via video conference) to help you refine the system to fit even more neatly with your lifestyle, so money becomes a silent partner, rather than a nagging dictator.
- Teach you how to adapt your Spending Planner when life throws you curve-balls so you can use it in every life situation.
- Help you identify areas to save even more money so you can fast track your debt payoff.
- Show you how to get better deals on your biggest expenses and avoid the ‘lazy tax’.
Your Spending Planner Program 8 Core Modules…
There are Eight clear steps, carefully designed and based on what has worked successfully for tens of thousands of past clients.
We’ll show you what we do to systematically supercharge our clients’ savings, building their confidence with money & generating more available cash for the things they really want in life.
This is a strategic system of knowledge delivering:
- More Clarity
- More Ease
- Less Money Stress
- More of your goals and dreams achieved
- Higher self-esteem
- Enhanced relationships
- More peaceful sleep
- More Available Cash in your pocket
What I love is its simplicity and ease of use. It’s the system you need to grow your savings using leading edge Financial IQ, mentoring, software and support.
Your time is valuable, so we’ve designed it succinct and to the point – You need the key points, strategies and techniques in the shortest amount of time, with clear step-by-step plans for how to implement them.
Let’s take a deeper dive into it…
Here’s a basic outline of your 8 Step Program
Laying the Foundation
- We deep dive into your finances to lay the foundations for building your stairway to financial freedom.
- A powerful goal-setting process to learn about your desires and drivers.
- Confidentiality is King – Your information is always treated in the strictest of confidence.
Building Fences around your money
- How to set up the right bank account structure ‘to protect yourself from yourself’ (The Fundamentals, What works & What doesn’t)
- The SIX types of expenses we all encounter. Understand each type to gain control of your money.
- Key Financial IQ Essentials for maximizing savings and wealth
THE best tool for Optimizing your money
- Over 30,000 people have used this system to pay off their debts and gain complete control of their money
- A guided tour, taking you step-by-step through setting up the system that’s going to take you from floundering to free.
- A Proven Roadmap for ‘How to Save fast for any major goal’ based on our combined experience working with tens of thousands of people.
First things First – Essential Expenses
- We help you create a comprehensive checklist of everything you could possibly spend money on, so you can prevent spending leaks.
- We identify ‘needs vs wants’, and bust apart limiting beliefs keeping you trapped in the “Bright Shiny Object” hamster wheel of spending.
- We create a customised plan for fixing up ‘hangovers’ from your past – outstanding and overdue debts – getting the monkey off your back once and for all!
- Successful Scripts for negotiating payment plans for debts and overdue accounts.
Your ‘first draft’ Spending Plan
- Your Spending plan will allow you to take a sneak peak into the future and make decisions about what else you can fit into your plan.
- One-on-one Meet with your Spending Planner who’ll help you interpret your data, and customise it fully for your lifestyle and goals.
- Learn about ‘Crawl’, ‘Walk’ & ‘Run’ type expenses – Decide which goal is your highest priority, and have fun with highlighters!
- Use your Spending Plan to model various life scenarios so that you can see exactly what would happen if you did X, Y or Z.
Planning for fun
- Guilt free spending – Building in fun to make your Spending Plan a pleasure to follow.
- Future Gazing – See the exact date when you can start lifting your foot on the fun ‘brake’.
- Avoid common pitfalls of scrimping and denying.
- Meet your Spending Planner to iron out any ‘kinks’ and set you up for success.
Monitoring for Success
- Weekly Check-ins keep you accountable to your plan, building your confidence with each day.
- Monthly mentoring sessions commence. We target key expenses to save you more, and get you to your goals faster. We also teach you how to adjust when life throws you curveballs.
- Why Accounting and Record-keeping will NEVER help you save.
- Checking in with your Spending Plan is now the motivating highlight of your week as you watch your savings grow.
- The SP Dashboard – a 360 degree view of your finances – Interpreting YOUR data for maximum results.
Plus Advanced Training, Support & Bonuses…
In addition to your Eight core modules, you’ll also receive the following bonuses…
And you’ll know exactly what your emotional blindspots are when it comes to saving and getting ahead and how to confront them head-on.
Millionaire Mindset Module
- ‘Millionaire Mindset for Success in Business & Life’ – Tony Robbins says “Mindset accounts for 80% of success”. This video training by my own coach, Greg Cassar, is crucial to your success with money, whether you are in business or a wage earner.
- ‘The Differences Between the Way Rich & Poor People Think’ is a confronting but powerful video training. Learn to think like the rich rather than the poor and reap the benefits.
- How to overcome limiting beliefs holding you back from the success you deserve.
- Managing Emotions for Success so you can calmly and consistently take the actions you need to get results.
Private Facebook Group
- Want to ask questions and learn from other Bright Spenders SP Program members? How about for lifetime after the program? This is the way to do it!
- Leverage the group mastermind dynamic with like-minded people on a mission to reach their financial goals.
- Keep up to date with new, relevant budgeting and saving tips, industry news and Software changes & updates on an ongoing basis. You’ll love being a part of this community.
Are You Willing to Do What it Takes to Fast Track Your Savings Success?
One thing I find frustrating and a bit silly is that most people stop their education process when School or University finishes.
For me, and most likely for you, if you’re reading this letter, finishing school is really the time you need to take it up a gear and invest in your knowledge and mindset growth for success.
By doing this you’re doing things that others are not willing to do to get results that others will never get.
Lot’s of individuals and couples I meet want the results I get but not many are willing to do what I did to get the knowledge, skills and mindset for rapid success.
You could go out and read every book ever written on budgeting & saving, and spend OVER $50k like I did to get this level of results
Follow the step-by-step journey in the Spending Planner & Debt Buster Program that condenses everything I’ve learned about growing savings and wealth into 6 months.
How it Works Is…
This Step-by-Step program is delivered through a combination of emailed modules and one-on-one training, starting with Step ONE on your very first day.
When you’ve completed each step and let us know you’ll receive the next.
Right from the start we’ll set up FOUR weekly sessions to guide you in setting up your customised Debt Reduction and Spending Plan.
You’ll be exposed to this advanced money management training in a logical order that follows on from the previous weeks module.
All the theory you need, plus the support, to tailor it to your lifestyle.
You can look over my shoulder as I record my screen and show you how to create and follow your vision and plan.
We’ll also give you step-by-step implementation guides to make the process super easy.
The system is simple and FAST to learn so you can get going immediately.
Your best ideas have got you here.
If you’re like me your time is extremely precious. While I was trying to figure out how to make my cashflow work I was missing all sorts of wealth generating opportunities, not to mention doing things that gave me joy.
The simple fact is that you DON’T have to reinvent the wheel. Over 30,000 people are already using this system successfully to manage their finances with ease.
Think about it – if you go out, try to learn and figure it out on your own it’s a lonely, expensive and time-consuming process over many years,
Imagine how much faster and easier it is when you follow a proven system, that builds in all the learning of the thousands of “Pioneers” before you. They made all the costly mistakes before becoming successful money managers so that you don’t have to!
Imagine how you and your life will look and feel…
- Paying off the last fifty bucks on your credit card or personal loan and you can’t stop grinning (Yes, that’s exactly what my clients do.)
- Calm and in control of your money, putting you in a position of power so you never have sleepless nights over money again.
- Building enough of a buffer so you never having to take on work that you dread ever again.
- Creating an emergency fund to prepare for times of crisis and stress.
- Excited about your future and on the same page as your partner so that you never have to argue over money again.
- Taking that exotic overseas trip you’ve always wanted to do but felt was just a pipe dream.
- Doubling and even tripling your Savings so you can finally get a home loan deposit together.
- Comfortably able to afford school fees so you no longer have to worry about scrimping for your kids’ future.
- Building up a nest egg for your retirement so that you never have to worry about working until you’re 90 again!
- Saving much faster than you’ve ever been able to before with the proven leading edge forecasting tool of the Spending Planner system.
- Increasing your self worth and confidence as a money manager so that you’re inspired and open to more wealth-generating opportunities.
- Role-modelling and teaching your kids the value of money, and how they can take control of their financial future just as you have.
Life would become more fun right? Not to mention more
purposeful and meaningful.
Agreed, it is.
We’ve achieved all those things for ourselves and our clients and I want you to get the same freedom and feeling.
A friend said to me the other day, ‘You look amazing – What have you done?’ and I jumped in with a smart, half-joking reply of ‘Cash agrees with me’, meaning, I love feeling secure in knowing that my savings are building and that all my bills will be paid. Having a pot of savings growing definitely makes all your other problems in life much more solvable.
I’m one of those women where people say ‘she got lucky’ but the reality is luck is ‘Labour Under Correct Knowledge’ – What about you? Are you a talker or a doer? Will you take action today and invest in your knowledge to increase
Real People, Real Results
We’ve got some amazing results for others who have learned our proven money & savings growth system. Here’s just a handful
“I paid off my Credit Card Debt in 8 months”
Using our Spending Planner has changed my whole relationship with money.
Initially it was frightening to confront our situation. I felt hopeless, and Anthea, rather than commiserating with me, pointed out that there was only one way to deal with our credit card problem, and that was to face it and work out how to pay it off.
I honestly felt that was impossible, given our income and expenses. With Anthea’s help, we worked out a plan to pay off our credit card debt in 17 months. Once started, I suddenly saw how it was possible, and ended up paying the debt off in 8 months.
That began a new confidence with our household budget. Spending Planner allows me to look at the year ahead and see that I have the funds to manage our family life. Previously I was completely in the dark, was anxious all the time, and had spending habits, although modest, that were actually sending us backward.
Our family has faced some really big challenges in the last three years, and knowing where I stand financially, and exactly how much is needed in various accounts to keep things running, has supported me substantially. I actually don’t know how I would have managed this period without that.
Anthea’s manner is always supportive and positive, and I thank her for helping bring about such a great change in my life.
– Lucy T., Mittagong NSW
“We’re now saving $400 a month!”
I’m a 46 year old mother of 3, personal trainer and business owner. I was budgeting anyway, but thought this was probably a more efficient way of doing it so I decided to give it a go. I enjoy doing the Spending Planner Program because it shows me where I’m at with everything and I know that I’ve got the money to cover the bills when they come in.
I’ve also been able to save us some money for a home loan deposit and I’m pretty excited about that. It looks like we’ll be able to buy a house in two years. I probably doubted whether I could be disciplined enough in setting everything up, but we actually paid off our credit card which was a big thing and we don’t use it any more and we’re now saving $400 a month, so I’m pretty excited about that. I’m more relaxed. I don’t worry about money. If you’re thinking about doing it give it a go. It’s a great plan.
– Gennene Turner, Mittagong NSW
“I now know we’ll reach our financial goals.”
“Sharing a lot of gratitude and relief for having found Spending Planner.
We chose the service after doing a lot of research and
ultimately it came down to a personal referral. Someone we trusted had had an incredible result, with Anthea specifically, but on the Spending Planner program.
My biggest fears were that I wouldn’t have enough time to manage the finances properly and with a lot of accountability. The doubts that have been addressed by the service have been phenomenal. I now see it’s quite a light touch. All I have to do is stay within the plan. I don’t have to worry about whether I have enough money.
It’s all been pre-programmed, we’ve worked through every single detail, and it’s all just automated now. So it feels really good.
I’m so happy with the outcome. I feel like we’ve got a really rock solid way to move forward and I’m really looking forward to our weekly check-in because I know we’re going okay, and we’re actually going to reach our financial goals, and it’s a miracle actually.
– Brook. R, Sydney, NSW
“I’m feeling empowered with my money”
I’ve been working with Anthea Falkiner and the Spending Planner Program for the last six months.
It’s really helped me to feel more empowered with money, with my budgeting, creating more structure with my spending and savings, and I would highly recommend it to anyone.
– Emma. G, Byron Bay, NSW
“Wish I had our Spending Planner when I was bringing up 4 Children!”
I wish I’d had the Spending Planner Program when I was bringing up 4 children! We had great assets, good income, but I managed to spend far more than our income, and had no way to track my spending.
The best thing about The Spending Planner is that I now know EXACTLY where my finances are each week, without having to cut out the good things from my life.
I’m thrilled to know any medical costs are covered, and after two months of accumulating savings, we can make some solid decisions about our future and plan to do some fun things as we get older.
The Spending Planner is easy to use, and Anthea is there to guide you every week, and more, when you are first
setting it up. Have fun spending money that you actually have, and NOT worrying over borrowed money!
– Lyndy & John H, Shute Harbour, QLD
“I made an investment for my future”
I’m 19 years old and, with next to no financial responsibility, this milestone of freedom and
flexibility could have been an opportunity for messy and wasteful spending habits to occur.
Fortunately, I made an investment for my future. With Anthea’s ongoing supervision and
mentoring she has revealed the tips and tricks to become a wise and organised young adult.
The Spending Planner program has guided me to identify and set achievable goals. I’ve highlighted wasteful habits and the program has made me accountable for upcoming bills and financial commitments. Setting priorities has restored effective and responsible practices.
Professional and regular ‘check in’s’ of my savings progress with Anthea spurs on enthusiasm and a sense of pride when my savings and Spending Plan is on track and future goals evidently seem possible.
I am extremely grateful for the time Anthea put into understanding my needs, goals and preferences. With this Spending Planners Program I have been able to learn the techniques and develop habits to keep me free from the cycle of debt.
I’m excited about my future. With a new and improved sense of self esteem to trust that I can reap the rewards of my
ongoing hard work and enjoy the security of having money set aside for any setbacks.
Josie. P, Bowral, NSW
“I’ve got more control over my money and my life”
I feel like I’ve been living in the dark most of my life, financially speaking, but Anthea and Bright Spenders has come in and true to her name, she brought me into the light a bit and I feel like I’ve got a little bit more control over my money and my life.
Nick, R, Mittagong NSW
“I’m now so clear on where my money is going”
I’ve been a bit of an overspender and underearner for some time and my finances were going backwards in the last
Since I’ve implemented the Spending Planner, with Anthea coaching me through the process, I am so clear on
where my money is going and am finding it much easier to keep track of my funds and to not overspend.
I find that my priorities are automatically shifting now that I can clearly see how and where to put small pots of money away gradually to build my wealth. I would totall recommend Spending Planner!
Vanessa. K, Waverley, NSW
“There’s no point following the same strategy and expecting a different result.”
Our eldest daughter transformed her own financial situation from living with a large debt, to owning several properties and having debt under control. She told us about the Spending Planner Program that she followed to turn her situation around and we decided to give it a go. There’s no point in following the same strategy and expecting a different result.
I grew up with post war rationing and frugality as a mindset. We grew our own vegetables and even generated our own electricity! I bought out my father’s property and then had assets but a large mortgage. Four children and Interest rates of 18 to 22% found us moving from the country to city. My wife’s business became quite successful, but spending continued to expand.
Bright Spenders took us step-by-step through the program and now we have a really clear picture of exactly where our money is going and can make empowered decisions based on that knowledge.
John. H, Shute Harbour, Qld.
“It’s helping me make more money!”
I was having quite a few issues with my finances. The Spending Planner system shows me where my money is going, what I can expect my accounts to do in the future, and best of all it stimulates me to make more money. I was reticent to spend the money for the training because I was having financial difficulties but figured it would probably help me in the long run, which indeed it is doing.
It’s helped change my relationship with money by making me somewhat more frugal in spending on certain things like meals out, getting coffee and it’s helping me set goals with confidence that I CAN actually reach them . If you’re thinking about doing the Spending Planner Program then I would reassure you that you WILL learn how to manage your money better and you’ll be able to set goals and reach them with assurance and without a lot of anxiety or uncertainty. I can absolutely recommend Anthea and this program. It will open your mind and teach you a lot about how money works and how YOU work.
– Jody Emerson Quintana, Monterey, California
“It gets all the finances out of my head”
We were keen to see how the Spending Planner Program could help us take some things that we thought were magical far off dreams and turn them into achievable goals. What I’m really enjoying most is the really straight forward and common sense set up of the bank account system, so it means that my money for weekly grocery shopping now feels quarantined from money that I need to be putting away for bills in the future. The other thing I really enjoy is how simple it is to plan out savings for big ticket items. As well as having your own coach and personal trainer has be a massive help.
The only reservations I had going into the program was just having to sit down and have a really good hard look at our finances, and really in the end, it was no more work than cleaning out your wardrobe at the end of the season. There were things that were good at the time, but just didn’t fit any more.
The other thing I’m really enjoying is that it gets all of the finances out of my head. That’s been the biggest weight off my shoulders, and an unexpected benefit. We’ve become much more proactive rather than just reactive. We’re really starting to think about how we can be strategic with our purchases but also strategic with our savings. We’re already seeing benefits and we’re only 2 months in so I absolutely recommend giving it a go.
– Liz Gorman, Mittagong NSW
You Have A Choice To Make Today…
Continue on at your own pace, tracking everything you spend, writing out budgets, taking advice from friends, reading books, listening to podcasts, and trying apps that will help you along the way. Someday you may get your debt paid off, and build enough savings to support you and the lifestyle you desire.
Make the same decision which thousands of people have already made and that is to let me teach you, hold your hand and give you the instruction and training which you rightfully deserve.
Which is it?
YES Anthea! I want to learn the exact strategies and techniques which have been proven for paying down debt, accelerating savings and building wealth for over 30,000 individuals and families. I want to fast track my savings!
My “Love it or Your Money Back” No Risk Guarantee
How’s that for fair?
But just a heads up on how the SPP may change in the future…
The Bright Spenders Spending Planner Program in its Current Form May Not Be Around Forever
The Spending Planner & Debt Buster Program is a winning formula. There’s no doubt about that. Whilst I love the teaching and helping – the consulting hours can be a big stress on my time.
I plan on offering the Spending Planner program for many years but I can’t guarantee I’ll keep one-on-one mentoring in the program forever because of the number of people and opportunities pulling at our time.
So grab this opportunity while it stands in its current form, where we personally help you put in place a strategic plan for what to do next and how to do it.
I wish you the best of success with your wealth creation moving forwards.
Please let me know if you have any questions.
Leading Spending Planner & Money Coach
P.S. Remember, this is not some off-the shelf, teach-yourself system. We’re going to hold your hand every step of the way. Apply what we teach you and you’ll have your fully-customised-to-your-lifestyle Spending Plan up and running in the first month.
It’s a proven system that has changed the lives of over 30,000 people around Australia and the world and cost me over 12 years of my life to learn and develop.
It’s worked for countless other people just like you. And It’s 100% guaranteed so you can’t possibly lose money.
It’s Not For Everyone
The Bright Spenders Spending Planner Program is a Savings Accelerator program that is by Application Only for people who are dissatisfied with the speed at which they are paying off debt and saving, or simply just not getting ahead and want to dramatically change that.
We know from experience that positive minded people thrive using this system. The reality is we are probably not the right fit for each other if any of these describe you…
- a negative mindset or a ‘blamer’ or ‘complainer’
- not open to learning new things
- just want everything ‘done for you’ without having to do anything yourself.