Premier Spending Planners - Financial Wealth Coach

27/05/2022

You can't afford NOT to.

"I heard about Spending Planning from a friend who was on a pension - yet she had a Spending Planner!?! I asked how she could afford to pay a money coach and she said: 'I can't afford not to - this concept has turned my money situation around ....' So I investigated and discovered it was true - signing up for the Spending Plan is the smartest decision I've ever made!" Lindsay Duncan

Go to spendingplanning dot com to talk to a Spending Planner.

07/04/2022

Hang out with me and 18 of my expert friends from the US

Spring into clearing ALL of your clutter - Home, Mind, Body and Wallet

My invitation to tackle ALL of your clutter


When you think about clutter, what comes to mind?

I’m guessing it’s probably "stuff".

Perhaps it’s too much stuff in your closets and drawers, in your spare bedroom or filling up the counters of your kitchen.

But clutter can be so much more than physical possessions.

You can also have clutter in your mind, body, and your finances… which can also have an impact on the quality of your life.

I want to ask you…. what would it feel like to have less clutter or be clutter-free in every aspect of your life? Think about that for a second.

You could take a real vacation, or make some much-needed improvements to your home because you know where your money is going and know how to spend it wisely.
You could invite friends and family over to your home because there are places to sit and entertain.
You could have more brain space to think about important life decisions rather than constantly being filled with worry and anxiety.
You could feel good in your body and have the energy to do the activities you love.

Spring is a great time for renewing your commitment to making change and taking action, and I want to help you do just that by inviting you to our upcoming summit that starts on April 8th.

SPRING INTO ACTION SUMMIT: A Virtual Summit for ALL the Clutter in Your Life

I’m part of a panel with 18 other experts from a variety of disciplines for this event, because I want to help you tackle clutter in ALL areas of your life.

And unlike other summits you may have attended, where each speaker only offers a small nugget of information in the hopes you’ll invest in them for more, each of our speakers will give you amazing tips and advice that you’ll actually be able to use!

Here’s what you’ll get as part of this 4-day event:

✅ An entire day’s session focused on one of four areas of clutter-clearing: Home, Mind, Body and Wallet.

✅ Simple, actionable steps from each interview that you can take RIGHT NOW to start clearing all the clutter in your life.

✅ Truly helpful information from experts who have worked with thousands of people in your position.

✅ And best of all, this event won’t cost you a cent. All you need to do is reserve your complimentary seat.

The information in these interviews would cost you thousands of dollars if you hired each of these experts separately, so don’t miss out on your opportunity to learn from them for free!

See all the details of the summit here - https://springintoactionsummit.com/?fbclid=IwAR0oAqDieBgaIxsWzSMCN--GGXBxIs6vtsYDYeoQEenfFcoHm2jzFQ19vCI

Love,

Kim Donnelly

P.S. Want to make sure you don’t miss a single one of these incredibly valuable interviews, which are being broadcast at US ET?

Get VIP lifetime access to all of the recordings so you can watch them on your own schedule. But hurry because this is only being offered for the low price of US$37 for just a few days. Become a VIP here before the price increases -

https://springintoactionsummit.com/get-vip?fbclid=IwAR0oAqDieBgaIxsWzSMCN--GGXBxIs6vtsYDYeoQEenfFcoHm2jzFQ19vCI

25/01/2022

7 SUREFIRE MONEY SAVINGS STRATEGIES TO TAKE CONTROL OF YOUR FINANCES

No. 7 - FLICK THE CREDIT CARD

If you are using a credit card to pay for most of your expenses, and you are usually unable to pay the full statement balance by the Due Date, it is highly likely that you are living beyond your means and spending more than you earn.

And paying high interest to the bank EVERY month for the privilege of using their money.

One of the first goals I show my clients how to quickly achieve, is to kick the credit card.

Firstly, I show them how it IS possible to live within their Income and how to do it.

Secondly, I show them how to STOP using their credit card completely, and how it is possible to pay for all expenses directly from the Income they receive.

Thirdly, I show them how to pay down the existing credit card debt in as fast a period as possible, thereby significantly reducing the amount of interest payable.

People have come to me with 2 or 3 credit cards with limits of over $10,000, which are all maxed out to the limit. These debts are eliminated in as short a period as possible, so that people are able to start moving forward with their lives once again!

23/01/2022

7 SUREFIRE MONEY SAVING STRATEGIES TO TAKE CONTROL OF YOUR FINANCES

No. 6 - SAVVY GROCERY SHOPPING SAVINGS TIPS

These strategies may not seem unique, however I can practically guarantee that you will be not be implementing them all -

* Always shop alone, as your kids will con you into putting lots of unnecessary things you don't really need in your trolley!!

* And never go shopping when hungry.

* Always check your pantry, fridge and freezer before shopping, to avoid wasting money by buying items you already have on hand.

* Prepare weekly menus, and shop according to the menu to avoid having to throw out food you don't use.

* One of the most important tips I can give you, is to try your best to stick to a specific dollar amount for your shopping each week. If you aren't keeping a tally on your spending, some weeks you could overspend by hundreds of dollars.

* To ensure you DO stick to your weekly allocated food value, order groceries online. You will be given a total price at the end. If you go over your specified dollar amount, you can go through your list again and remove some items without being embarrassed at the checkout!!

* Shop once a week, and do a big shop, buying in bulk where you can if it means good savings. If you are a person who calls in at the supermarket every day or two, I can guarantee your weekly grocery bill will be enormous. You may only call in for 1 or 2 items, but rarely will you walk out without having collected several other items, so a $30 intended shop usually blows out to a $60 or $70 shop.

* Use a grocery shop Comparison App, and see which store has your grocery items on special each week.

By implementing each of these Tips, you are likely to save yourself between $50 and $150 every week - think what you could do with the savings!!!

21/01/2022

7 SUREFIRE MONEY SAVING STRATEGIES TO TAKE CONTROL OF YOUR FINANCES

No. 5 - DON’T BE TEMPTED TO BUY AN EXPENSIVE NEW CAR/BOAT, just because that is what friends/workmates have done. Cars and boats rapidly lose value, so are classed as ‘bad debt’.

Trying to "keep up with the Jones' " is one of the top reasons that people find themselves in difficulty with their money, as they are attempting to live to someone else's income and not their own.

We all have our own path to tread. and if ours is less extravagant than others, that doesn't means ours is any worse.

Many people are in a LOT of money trouble and often can’t afford to pay their bills, due to having to pay for too many expensive bad debt ‘toys’.

Too much debt leaves people struggling to live week to week. They can’t move forward with their lives until they have reduced the debts, and are often robbing Peter to pay Paul, spending a good percentage of each pay on overdue bills.

This then leaves them with insufficient money to pay the current week's bills, and so the cycle continues.

Consider buying a 3 – 5 year old vehicle in very good condition from a reputable used car dealer, which comes with a 3 month warranty period, low kilometres, and it may even still have some original warranty left. You may also be able to purchase extended warranty from the dealer.

In the event that there IS something wrong with the vehicle, most ‘issues’ will appear within 3 months of your purchase and the repair cost should be covered by the warranty.

19/01/2022

7 SUREFIRE MONEY SAVING STRATEGIES TO TAKE CONTROL OF YOUR FINANCES

No. 4 - DON’T BE TEMPTED TO BUY ANYTHING WITH AFTERPAY, ZIP PAY, GE CREDITLINE or any other Buy Now, Pay Later services.

If you are using these services, it is likely you cannot afford to buy the item, and will therefore also not be able to pay it off, especially if you have more than one payment plan happening at the same time.

You may have large unexpected necessity bills come along while paying off the Pay Later services, and not be able to pay back the full amount in the required timeframe.

Don’t be fooled by the offer of “No Interest”.

Some companies may not charge interest, however you will still be required to pay high fees and charges if you can’t pay in full by the due date. OR extremely high interest rates.

Your hard earned money will go up in smoke, as most of these services charge much higher interest rates/fees and charges than personal loans.

If you are having difficulty with cash flow, and don't know how to successfully stop using Pay as You Go facilities, and want to learn how you CAN purchase items in future without resorting to Pay as You Go, you are welcome to book a no obligation consultation with me on www.premierspendingplanners.com.au/consultation

17/01/2022

7 SUREFIRE MONEY SAVING STRATEGIES TO TAKE CONTROL OF YOUR FINANCES

No. 3 - SET ASIDE AN AMOUNT FOR UNPREDICTABLE, UNEXPECTED EXPENSES, AND CREATE BARRIERS AROUND THOSE SAVINGS

Always set aside an amount of money for unpredictable unexpected expenses.

Place this amount into a hard to access SAVINGS account EVERY WEEK, so the money will be available whenever an unexpected expense occurs.

Open a SAVINGS Account with a separate bank to your normal banking (out of sight, out of mind) and ensure it has NO Debit or Credit card attached, to avoid impulse spending as you can’t draw money out.

If possible, try to get as high an interest rate as possible for this account, with no account keeping fees, and which doesn’t penalise you if you can’t transfer a specific amount each month.

These barriers are like having a tiger in your ‘money cage’, protecting your savings from YOU being tempted to splurge!!

15/01/2022

7 SUREFIRE MONEY SAVING STRATEGIES TO TAKE CONTROL OF YOUR FINANCES

No. 2 - DETERMINE A REALISTIC AMOUNT TO SPEND ON FOOD, FUEL & FUN EACH WEEK, and STICK TO IT!

After allocating the relevant amounts for bills and Goal Savings, calculate how much you should have available to spend on Food, Fuel, Fun and little incidental items every week.

On payday, transfer the specific allocated amount to an account which ONLY has a debit card, and make an agreement with yourself that you will only spend this amount each week - NO MORE.

If you think you will be tempted to withdraw more than this amount, always GET CASH out of the bank for the weekly Spending Money allocation, and when this amount has been spent, STOP SPENDING.

If you do run out, you will only have to wait 1 or 2 days. You will soon learn to ensure this allocated amount lasts the full 7 days!

Every time you withdraw more than the allocated amount, you are delaying being able to reach your Savings Goal, so don’t be tempted by the immediate gratification and you will reach your goal much faster!

13/01/2022

7 SUREFIRE MONEY SAVING STRATEGIES TO TAKE CONTROL OF YOUR FINANCES

No. 1 -

Set up AUTOMATIC PAYMENTS for every expense possible, like rent, health insurance, mobile phone, internet, loan repayments, and electricity, so you don’t accidentally forget to pay a bill if you are on shiftwork or away on holidays.

This will ensure you avoid any potential Dishonour fees.

ALSO ask your bank to automatically deduct your monthly credit card statement balance on the Due Date, again so you don't have to worry about paying late and incurring penalty interest.

Don't forget to make sure you have enough money in your bank account to cover these automatic deductions!

If you are perhaps having cash flow issues, and would like to learn more about how to never again have to worry about if there will be enough money in your bank account to pay all your regular bills on time, feel free to book an obligation free consultation with me on www.premierspendingplanners.com.au/consultation

13/01/2022

Did you know that no matter whether you earn $45,000 and your best friend earns $245,000, most of us tend to spend our full income - AND MORE!

This is usually because of 2 main reasons –

1) Many people are struggling to live week to week, and have spent all their income by the time they get paid.

They haven’t accounted for the fact that larger regular bills such as insurances, rates, electricity bill, etc need to have an allocation set aside out of every pay, so that the correct amount is available when the expense is due.

Therefore, when these large bills arrive, they don’t have any money left to pay the bill.

2) For those who DO prepare a budget, they usually average out how much is needed to cover all expenses, but they do not realise that timing of when the expenses fall due will then become an issue.

For instance, for their annual car registration of $780, people will set aside $15pw (52 x $15 = $780). This expense will be covered if it has just been paid and isn’t due again for another 12 months, but what happens when the registration is due in 2 month’s time?

There won’t be enough money set aside in 2 months to pay the bill. There will only be 8 weeks x $15 = $120 set aside.

So for many reasons, budgeting fails – and the main reason is because we haven’t factored in Timing - when the expense is due.

The solution lies in having the ability to forecast into the future, and know well ahead of time how to factor in exactly how much is needed in our bank account TODAY to be able to pay this registration expense.

The same applies for every one of your expenses – rent/mortgage, electricity, phone bill, rates, insurances, daycare fees.

When you have 10, 15 or 20 regular expenses, it can be extremely difficult to manually keep track of whether or not you will have enough to pay them all on time, just using a budget.

A Spending Plan addresses both the Timing issue and the issue of how to have enough money set aside so all bills will be paid on time.

Learn more about the 3 major differences between a Budget and a Spending Plan here -

Budgets rarely work - find out the reasons why, and how a Spending Plan will ensure success with your finances and leave a budget in it's dust.

15/12/2021

Christmas is a time of giving, yet with a little creativity, we can give without it breaking the bank and causing undue pressure and stress on our finances.

Here are some creative tips to help make this one of your best family Christmases ever!!

Feel free to add your own tips below - I would love to hear what fun things YOUR family does for Christmas!!

If family Christmas is being held at your home this year, are you wondering how to make this year’s Christmas Day the most fun, memorable Christmas ever?

07/11/2021

How awesome is this?

An extension to add to your internet browser, which allows you to quickly compare Woolworths and Coles for your shopping prices, and save money every single week!

A nifty shopper has developed a genius hack to save big dollars when shopping with supermarket giants Coles and Woolworths.