Can you imagine transforming your financial stress into financial stability?

This episode features Samantha Boardman, the brilliant founder of Spending Made Easy, who shares her expert advice on budgeting and creating a practical spending plan.

Samantha walks us through different budgeting methods, from the classic pen and paper to modern-day apps, shedding light on the strengths and weaknesses of each approach.

Her insights on facing financial realities and projecting future expenses are not to be missed.

We then move on to an essential tool: the spending plan. Samantha candidly discusses her personal methods for documenting expenses, calculating annual costs, and strategically overestimating expenses while underestimating income.

This segment is packed with practical advice on how to adjust spending habits to better anticipate financial shortfalls, and we dive into the mental health benefits of having a clear view of your finances.

Samantha also shares tips on making smart purchasing decisions and taking advantage of sales to optimise your financial health.

Lastly, we explore the profound benefits of a well-maintained spending plan, particularly in managing unexpected expenses.

Samantha highlights how financial tools like credit cards can be advantageous when used responsibly.

By understanding your income and expenses, you can achieve peace of mind and greater financial stability.

Tune in as Samantha Boardman and Ron Fiedler guide you towards mastering money management, helping you work towards a more secure and empowered financial future.

Chapter Summaries

(00:02) Managing Finances

Budgeting and managing finances in today's economy, using spending plans, facing realities, and seeking help.

(07:12) Creating a Practical Spending Plan

Creating a detailed budget and spending plan helps maintain financial stability, anticipate shortfalls, and make informed purchasing decisions.

(16:37) Achieving Stability Through Financial Planning

Having a spending plan can provide stability and peace of mind, and can lead to better financial outcomes.

(22:37) Mastering Money Management With Samantha Boardman

Optimize your finances with a spending plan and positive mindset, guided by practical tips and insights from Spending Made Easy.

Host and Producer: Ron Fielder

Web: podcastcity.com.au

Email: ron@podcastcity.com.au

Mobile: ‭0491 633 320‬

Co-Host: Samantha Boardman

Web: spendingmadeeasy.com.au

Email: hello@spendingmadeeasy.com.au

Mobile: 0404 468 525

Join us as we explore the world of budgeting with Samantha Boardman, the founder of Spending Made Easy.

In this episode, we highlight how Spending Made Easy stands out from other budgeting tools and apps by empowering individuals to manage their finances independently.

Samantha explains the importance of a spending plan that is separate from your bank account, ensuring that users can organise their finances securely without direct bank links.

We also discuss the personalized support and guidance offered by the service, ensuring users never feel alone in their financial journey. Security is a top priority, with measures in place to keep your data encrypted and safe.

Listen in as we discuss the versatile Spending Planner program, designed to cater to various financial needs with packages that range from six-month support plans to DIY options.

Whether you have multiple bank accounts or are already proficient at budgeting, Spending Made Easy offers a seamless and efficient solution to financial planning.

Samantha highlights the ongoing $20 monthly subscription that provides continuous access to the software and personal support, making financial management accessible and straightforward.

This episode promises to provide valuable insights and practical tips to simplify your budgeting and spending plans.

Host and Producer: Ron Fielder

Web: podcastcity.com.au

Email: ron@podcastcity.com.au

Mobile: ‭0491 633 320‬

Co-Host: Samantha Boardman

Web: spendingmadeeasy.com.au

Email: hello@spendingmadeeasy.com.au

Mobile: 0404 468 525

Can prioritise your savings over spending transform your financial future?

Join us as Samantha Boardman from Spending Made Easy shares her personal journey and expert advice on managing money effectively.

Discover how automating your savings can foster financial discipline and ensure consistent growth.

Samantha offers practical tips like the 10% rule and reveals the psychological adjustments necessary to thrive on a fixed spending amount after setting aside your savings, helping you achieve lasting financial health.

In the second half of our conversation, we tackle the all-important distinction between necessities and luxuries in your spending habits.

Samantha debunks the myth that sales always lead to savings and emphasises the importance of a well-structured spending plan.

Learn how to differentiate between wants and needs to create better financial habits and safeguard your future. Samantha also discusses the role of emergency funds and how to adapt your financial strategies to life's major events.

Plus, get introduced to the versatile features of Spending Made Easy's software, designed to help you manage your finances seamlessly across different currencies.

Tune in and equip yourself with the knowledge to make informed financial decisions!

Chapter Summaries

(00:03) Mastering Savings and Spending Habits

Nature's spending habits, prioritising savings, and psychological impact of fixed spending amounts for financial stability.

(12:47) Understanding Spending Habits and Savings

Distinguish between necessities and luxuries, create a spending plan, have an emergency fund, and use Spending Made Easy software for effective financial management.

Highlight Timestamps

(02:25 - 03:07) Importance of Saving First

(06:46 - 07:11) Changing Times and Budgeting Challenges

(09:59 - 11:33) Effective Savings Habit Transformation

(15:10 - 17:10) Planning for Future Financial Security

Host and Producer: Ron Fielder

Web: podcastcity.com.au

Email: ron@podcastcity.com.au

Mobile: ‭0491 633 320‬

Co-Host: Samantha Boardman

Web: spendingmadeeasy.com.au

Email: hello@spendingmadeeasy.com.au

Mobile: 0404 468 525

Budgeting is Crap." Yes, you read that right. Samantha Boardman, the founder of Spending Made Easy, joins us to discuss her provocatively titled book.

Despite the focus on budgeting, Samantha believes traditional methods are too restrictive and negative. Instead, she promotes the idea of a spending plan that offers a more positive and effective approach.

She shares her journey with money management since childhood and how her innovative methods have helped clients revolutionsze their financial lives.

Get ready for some life-altering budgeting tips straight from Samantha's book. We talk about actionable strategies for those restarting their financial journeys and hear a powerful story of transformation from one of her clients who overcame homelessness and addiction.

Discover the incredible benefits of financial organisation, including better sleep, improved mood, and overall well-being.

Samantha's real-life examples and practical advice will show you how easy it is to stay on track and course-correct, even in tough economic times. Don't miss this empowering and insightful conversation!

Chapter Summaries

(00:02) Budgeting Made Easy

Samantha Boardman's book "Budgeting is Crap" challenges traditional budgeting and promotes a positive approach to creating a spending plan.

(11:05) Life-Changing Budgeting Tips

Budgeting is Crap provides actionable takeaways for financial success, with real-life examples and benefits for overall well-being.

Book Link: https://mailchi.mp/1b695bd41560/book-free

Host and Producer: Ron Fielder

Web: podcastcity.com.au

Email: ron@podcastcity.com.au

Mobile: ‭0491 633 320‬

Co-Host: Samantha Boardman

Web: spendingmadeeasy.com.au

Email: hello@spendingmadeeasy.com.au

Mobile: 0404 468 525

Are rising credit card debts and inflation rates making it harder for you to manage your finances?

Join us as we sit down with financial expert Samantha Boardman from Spending Made Easy to unravel the complexities of today's economic challenges.

As Australia sees a surge in insolvencies and inadequate pay raises, Samantha sheds light on why more people are relying on credit as a financial safety net.

Tune in to learn practical strategies for prioritizing essential expenditures like rent, groceries, and healthcare, while trimming down on non-essentials. Samantha provides actionable advice on auditing personal finances and making smarter financial choices to help you navigate these turbulent times.

Financial security isn't just for the wealthy, and even high earners can find themselves in financial trouble without proper planning.

Discover the importance of creating a spending plan, facing financial realities, and utilising support packages with Samantha's expert guidance.

Hear real-life examples and practical tips on how to adapt to your current financial situation, ensuring a more stable future.

Don't miss this opportunity to gain valuable insights and take control of your financial destiny.

For personalised advice, connect with Samantha Boardman at Spending Made Easy via 0404 468525 or visit spendingmadeeasy.com.au.

Chapter Summaries

(00:03) Struggling With Day-to-Day Finances

Samantha Boardman and Ron Fiedler discuss financial struggles, credit card use, inflation, and practical steps for taking control of finances.

(10:21) Planning Ahead for Financial Success

Financial planning and budgeting are crucial for future security, regardless of income level. Support packages and adapting to current situations are also important.

(16:03) Navigating Financial Struggles With Samantha

Nature's financial challenges and strategies for stability discussed with Samantha Boardman from Spending Made Easy.

Host and Producer: Ron Fielder

Web: podcastcity.com.au

Email: ron@podcastcity.com.au

Mobile: ‭0491 633 320‬

Co-Host: Samantha Boardman

Web: spendingmadeeasy.com.au

Email: hello@spendingmadeeasy.com.au

Mobile: 0404 468 525

Ever wondered if charging rent to your working teenagers could actually make them more financially responsible?

Join us as Samantha Boardman, founder of Spending Made Easy, reveals her unique upbringing in a British household where contributing financially was non-negotiable.

Samantha candidly shares the initial hurdles and invaluable lessons she gained about budgeting, prioritizing expenses, and preparing for adult financial obligations.

Through her story, we get a deep dive into whether this practice is a crucial step in teaching teenagers the art of financial independence or if it might just be too burdensome.

We also present various perspectives on this approach, featuring families who’ve creatively taught financial responsibility through nominal rent and spending plans.

From juggling multiple jobs to saving rent money for future use, these stories highlight the importance of instilling financial discipline in young adults.

Listen to how these strategies not only help manage current finances but also build a healthier mindset towards money. Whether you’re a parent contemplating this approach or a young adult navigating these challenges, this episode is packed with insights to guide you towards financial maturity and independence.

Chapter Summaries

(00:03) Teaching Responsibility Through Charging Rent

British parents charge working teens rent to teach financial responsibility and independence.

(09:42) Teaching Financial Responsibility Through Rent

Multiple jobs and charging rent teach financial responsibility and increase income for a better lifestyle.

(15:46) Financial Responsibility Through Spending Plans

Teaching financial responsibility to young adults through charging nominal rent can lead to better financial mindset and independence.

Host and Producer: Ron Fielder

Web: podcastcity.com.au

Email: ron@podcastcity.com.au

Mobile: ‭0491 633 320‬

Co-Host: Samantha Boardman

Web: spendingmadeeasy.com.au

Email: hello@spendingmadeeasy.com.au

Mobile: 0404 468 525

What if managing your money could actually be simple and stress-free?

This episode features Samantha Boardman, founder of Spending Made Easy, who joins me, Ron Fiedler, to share her journey and invaluable insights into making financial management accessible for everyone.

Samantha opens up about her initial doubts regarding her business name and how it ultimately captured her philosophy of simplifying spending plans.

We delve into practical strategies for budgeting, including a heartwarming success story where Samantha helped a single mother regain control of her finances.

We also discuss the benefits of maintaining a financial buffer, especially during uncertain times like the COVID-19 pandemic.

Samantha and I explore how staying in credit for utility bills and other expenses can offer peace of mind and financial flexibility.

Plus, we introduce an exciting new annual DIY financial plan for those who prefer a self-guided approach but still want occasional support and community engagement.

Our monthly check-ins have proven to be a hit, underscoring the importance of community and ongoing support in achieving financial goals. Join us and gain the confidence you need to navigate your financial journey effectively.

Chapter Summaries

(00:02) Samantha Boardman on Budgeting and Spending

Samantha Boardman simplifies financial management through her business, Spending Made Easy, emphasising clarity and ease in budgeting.

(11:12) Managing Finances and Seeking Help

Nature's financial buffer provides peace of mind, flexibility in payments, and community support for achieving goals.

CREDITS

Host and Producer: Ron Fielder

Web: podcastcity.com.au

Email: ron@podcastcity.com.au

Mobile: ‭0491 633 320‬

Co-Host: Samantha Boardman

Web: spendingmadeeasy.com.au

Email: hello@spendingmadeeasy.com.au

Mobile: 0404 468 525

Listen in as Samantha Boardman, founder of Spending Made Easy, joins us to unpack the transformative power of a spending plan over the often-dreaded "budget." Samantha and I discuss the psychology behind financial terminology and how a simple shift in language from "budget" to "spending plan" can foster a more proactive and enjoyable approach to managing money.

With the cost of living on the rise and wages remaining stagnant, we explore practical strategies for not just meeting monthly expenses but potentially creating a surplus, all while nurturing a healthier financial mindset.

Throughout our conversation, Samantha offers valuable insights on setting up a spending plan that accommodates fluctuating expenses and the benefits of separating finances into different accounts.

We highlight the importance of flexibility and technology in maintaining financial health and even touch on how organised spending can simplify loan applications.

The episode rounds off with a discussion on the annual DIY Financial Accountability Plan, which provides a structured yet supportive approach to personal and business financial management. Join us and learn how to make financial planning less about restriction and more about empowerment.

Chapters Summary

(00:02) Spending Made Easy

Nature's impact on our finances and mindset, and how reframing our approach can lead to a positive experience.

(09:55) Financial Planning for Personal Budgeting

Managing fluctuating expenses with a spending plan, separate bank accounts, technology, and organized finances for loans.

(15:21) Annual DIY Financial Accountability Plan

Spending Made Easy offers monthly accountability calls and expands to help businesses implement spending plans.

CREDITS

Host: Ron Fielder

Web: podcastcity.com.au

Email: ron@podcastcity.com.au

Mobile: ‭0491 633 320‬

Co-Host: Samantha Boardman

Web: spendingmadeeasy.com.au

Email: hello@spendingmadeeasy.com.au

Mobile: 0404 468 525

Producer: Ron Fiedler Podcast City.

Web: podcastcity.com.au

Email: info@podcastcity.com.au

Phone: 08 8121 4448