“Wish I had our Spending Planner when I was bringing up 4 Children!”
I wish I had had the Spending Planner 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.
Anthea asked me if I would be interested in having peace of mind with money, and my husband John and I were very interested..
Although we had a great life, I found that we were always worrying about the pointy end of our lives.
The best thing about The Spending Planner is that I know EXACTLY where my finances are each week, without having to unduly cut out the good things from my life.
Now 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 Hill, Shute Harbour, QLD
“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 Turner, Mittagong NSW
“I no longer worry about upcoming bills”
I’m a system administrator in the IT industry and currently single. I decided to do the Spending Planner to get better at money and forward planning and began about 3 months ago. I love that I can put in an expense and plan ahead for it, and manage the date those things are going to be possible. Before deciding to do it I worried about whether would it actually work. It was quite scary at first trusting it, but now I follow it and it seems really easy. It’s helped me not be worried and short for upcoming bills. I would really recommend the Spending Planner because I’ve definitely seen progress even within 3 months.
– Camilla Clark, Canberra, ACT
“I’m feeling empowered with my money”
I’ve been working with Anthea Falkiner and the Spending Planner 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 Grant, Byron Bay, NSW
“I’ve got a little bit 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, Mittagong
“I now have a really rock solid way to move forward”
I now see it that it is actually quite a light touch. All I have to do is stay within the plan. So I don’t have to think about if we do have enough money because it’s all been pre-programmed.
We’ve worked through every single detail with Anthea herself. It just feels like it’s all automated now and we can just do our weekly check-ins.
Spending Planner has allowed me to show myself that I’m actually doing a lot of self-care, that all of my families needs are met, and I feel like we’ve got a really rock solid way moving forward and I’m really looking forward to my weekly check-in.
I know things are going okay and we’re actually going reach our financial goals. It’s a miracle actually because we’ve been looking for something for so long. This feels like an incredibly safe but very very hands-on way. It feels like I’ve got a personal accountant, bookkeeper, and life coach to keep us going all in a one go and I think it’s amazing and I’d recommend it to anyone.
– Brook Rutherford, Sydney NSW
“As soon as I paid off my credit card debt Amy was the first one I told!”
Amy’s encouragement and persistence has made me accountable to getting things done. She’s encouraging without being overbearing, just the right balance. It has been really positive and I’m already kicking goals. Funnily enough, as soon as I paid off my credit card debt Amy was the first one I told, even before hubby LOL. Thank you, Amy!
Michelle Parkes, St Clair NSW
“I made an investment for my future”
I am 19 years old and, with next to no financial responsibility, this milestone of freedom and flexibility could be 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 have highlighted wasteful habits and the program has made me accountable for upcoming bills and financial commitments. Setting priorities has restored effective and responsible practises.
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 has 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 set backs.
Josie Prohm, Bowral, 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 few years.
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 totally recommend Spending Planner!
Vanessa. K, Waverley, 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
“When I was feeling overwhelmed, Amy was always available to guide me through the next step”
My Spending Mentor Amy was a great help to me in my journey to manage my finances. I was a real novice coming in, but Amy was super patient, encouraging and helpful. When I was feeling overwhelmed, she was always available to guide me through the next step. Thank you Amy!
Andrea Orth, Bahrs Scrub, 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
“By May we’ll have our credit cards paid off saving $1k a month!”
We came across Bright Spenders in the Money Magazine November issue last year. I definitely had my doubts registering with them, as there are lot of these help services. How do you choose?
It took me a while to get on the wagon, but Anthea was very punctual and consistent with her communication. I’m so very pleased with the outcome and I only registered with her last November. The best thing is by early May we will have paid off ALL our credit cards, which will mean saving $1000 a month. If that is not a great story, I do not know what is.
Irma Paparo, Ryde, NSW
“We’re paying an extra $149 per fortnight off our mortgage”
I chose Bright Spenders because I saw that the situation Anthea was in at the start was exactly how I was feeling about money, and I thought that I could benefit from her knowledge.
In the beginning I did have doubts that the Spending Planner Program would work as I had been keeping a strict budget for my family for many years but always seemed to be worried about money, so I wasn’t sure that this new plan would be any different.
When Anthea explained, and the software demonstrated how forward-looking and future-proofing the Spending Planner is, my doubts were diminished. It is still early days for us but I can see now that a budget just shows you what is possible with your money, not actually how to achieve your goals, which is what the Spending Planner does. I’m very happy because, as a person who is a born worrier, I know that if my bank balance is equal to or greater than the plan, I can meet all my financial obligations and look after my family. It’s great peace of mind.
So far, in just this short time, we are paying $149 extra per fortnight off our mortgage. So we are already working towards one of our main goals which is to pay off our mortgage as soon as possible.
Leanne Pion, Bowral NSW
“Bright Spenders Helped change my overspending life”
Anthea from Bright Spenders helped change my “over spending” life. I had got to the point where money was just flying out the door and I had no idea how much I was spending or what I had left. After a great discussion at our initial meeting and a double dose of patience from Anthea she devised a plan to help me understand and manage my spending.
She never gave up on my busy life to schedule appointments, and followed through and delivered in everything she said she would. I would be more than happy to recommend her wonderful knowledge and skills in the hope she can help you
like she has me. Now living stress free. Thank you so much Anthea.
Kim Oliver, Bowral NSW
“I can now see exactly where I have surplus cash each month”
I love this application. I can already see an improvement in my money managing. I thought I had it under control with a simple spreadsheet I have been running for years, but with the Spending Planner I can now see where I have surplus cash that I can divert to important purchases, instead of just frittering it away each month.
This is really exciting because I can now see where I have surplus cash each month. I’ve just set up a small transfer to my Super Fund which I will adjust after my holiday next year. Spring has well and truly hit, and spring cleaning is under way!!
I’m really looking forward now to seeing what I can achieve after selling my house and downsizing with no mortgage. The surplus cash is now staring me right in the face. Never though I could be here at this point in my life, the possibilities are mind boggling. Than you so much, Anthea.
Vivienne Swang, Moss Vale NSW
Bright Spenders Spending Planner Program helps you create the financial future of your dreams by:
- Giving you complete clarity about how to manage your finances like a Pro.
- Creating a debt reduction plan, so that you know exactly when you’ll be debt free.
- Helping you create a clear savings plan and supporting you in following it.
- Helping you set goals and plan how you’re going to achieve them.
- Guiding you every step of the way and keeping you accountable!
Where will you be 10 years from now if you don’t take action today?