In this episode of Spending Made Easy, Ron Fiedler is joined by resident spending planner Samantha Boardman to explore why Christmas continues to catch people out financially, even when we know it’s coming.

Together, they unpack the emotional side of money — the pressure, the regret, and the shame that often follow festive overspending, and explain why this cycle repeats year after year.

Importantly, they challenge the idea that the problem is a lack of discipline, revealing instead that it’s often a lack of planning and clarity.

Listeners are guided through what to do when that first bank statement arrives and panic sets in.

Sam explains how spending plans, not budgets, can transform financial stress into calm, control, and confidence, without restriction or guilt.

This episode is for anyone who wants this year to feel different.

Whether you’re feeling overwhelmed, stuck, or simply ready to take control of your money, this conversation offers practical steps, reassurance, and hope.

Resident Expert: Samantha Boardman

Samantha Boardman is a professional Spending Planner and the founder of Spending Made Easy, a practical and compassionate approach to money that helps people feel calm, confident, and in control of their finances without guilt, restriction, or punishment.

With years of experience working one-on-one with individuals, couples, and families, Samantha specialises in helping people break the cycle of financial stress, particularly around recurring pressure points such as Christmas, birthdays, annual bills, and everyday living costs.

Her work is grounded in real life — recognising that money is emotional, personal, and often overwhelming, especially in today’s economic climate.

Unlike traditional budgeting methods, Samantha teaches spending plans, not budgets.

Her philosophy is simple but powerful: people don’t fail at money — money systems fail people.

By creating clear, realistic spending plans that reflect how people actually live, Samantha helps her clients uncover hidden surplus, reduce anxiety, and build long-term financial confidence.

Samantha is also the author of a practical, real-world book on spending planning, where she shares her personal experiences, professional insights, and proven strategies for managing money without deprivation.

In the book, she openly discusses how planning ahead — even with small, consistent steps — can completely change the way people experience money, special occasions, and life milestones. Her writing reflects the same supportive, judgment-free approach she brings to her client work.

As the fortnightly resident expert on Spending Made Easy on Podcast City – Business & Lifestyle Network, Samantha regularly shares accessible money conversations, tools, and mindset shifts that empower listeners to take action — no matter where they’re starting from. She is passionate about removing shame from financial discussions and creating safe spaces where people can ask for help and move forward with clarity.

Samantha also runs highly sought-after hands-on workshops, where participants are guided step-by-step through building their own spending plans in a supportive, welcoming environment.

🌐 Website: https://www.spendingmadeeasy.com.au

📅 Bookings & Callbacks: Available via the website

📘 Author: Spending Plan–focused personal finance book (referenced in episode)

Host: Ron Fiedler

Senior Managing Partner & Co-Founder, Podcast City

Ron is a radio and podcast host, producer, and media mentor passionate about giving people a voice and creating conversations that educate, empower, and connect communities.

🌐 www.podcastcity.com.au

Produced by:

Podcast City – Business & Lifestyle Network

🌐 www.podcastcity.com.au

Producer: Ron Fiedler

Most of us hear “budget” and immediately think diet—rules, deprivation, and guilt. That negative mindset makes us avoid looking at our finances. A spending plan, on the other hand, creates clarity, flexibility, and peace of mind.

You’ll hear:

• 💡 How language changes emotions: “budget” vs “spending plan”
• 📅 Planning up to 10 years ahead—covering Christmas, tax, and rate rises
• 🏡 Real client wins: mortgage reductions, home upgrades, and even enjoying bill-paying
• 🔄 Why plans adapt quickly to interest rate hikes, utility costs, or tax changes
• 💸 How overestimating bills creates buffers and reduces stress
• 🌍 Why it works for young people, families, and those starting over
• 🎯 The “dream fund” approach—save first, choose the purpose later
• 🙌 Staying in control: no one else touches your bank account

Ron and Sam also discuss how a spending plan gives you control even in uncertain times—such as elections, changing tax benefits, or rising costs of living. With a plan, you can adjust quickly and still feel in charge of your money.

This is not about spreadsheets or financial jargon. It’s about changing how you feel about money, removing overwhelm, and putting a simple tool in place that helps you achieve your goals. Many clients even say they now look forward to paying bills—because they know exactly what’s due and that the money is there.

🌟 Key Takeaways

• Swap “budget” for “spending plan” to reduce stress.
• Plan ahead so bills and big events are never a surprise.
• Overestimate expenses to build buffers.
• Keep surplus in your account, not the utility companies’.
• Teach young people early for lifelong money skills.
• A spending plan adapts as your life changes.

🛠 Resources & Links

• Visit spendingmadeeasy.com.au
• Request a free callback
• DIY software or coaching packages available
• Coffee chats in Adelaide for locals
• Follow Spending Made Easy on your favourite podcast app.
• Produced by Podcast City Business & Lifestyle Network.

📌 Disclaimer

This podcast provides general information only and does not constitute financial advice. Always consider your own circumstances or seek a qualified professional.

Credits

• Hosts: Ron Fiedler & Samantha Boardman
• Producer: Podcast City
• Music: Licensed theme

If you enjoyed this episode, please follow/subscribe, leave a review on Apple Podcasts, and share with a friend who wants less stress and more control over their money.

👉 Ready to start your own spending plan? Visit spendingmadeeasy.com.au.

Sam explains that "needs" are the basics essential for survival—food, shelter, and water—while "wants" are non-essential items like the latest gadgets or extra shoes.

Sam suggests that the key to managing finances is shifting your mindset, rethinking how you categorise these purchases, and considering whether something is a genuine need or just a passing desire.

As we move further into the conversation, Sam offers practical advice for balancing indulgences with responsible budgeting.

By setting aside a fixed amount each week—whether it’s $20 or $100—listeners can enjoy the occasional treat without derailing their financial goals.

The idea is to plan for these wants, rather than impulse-buying, ensuring your spending aligns with your overall financial strategy. Sam encourages listeners to consider how future-proofing your financial plans can make space for small indulgences without neglecting essentials.

Here are short chapter summaries for the podcast episode on "Wants vs Needs," with one-line explanations and time stamps:

Chapter Summaries

Defining 'Wants' and 'Needs'(02:31 - 06:00) 

Clarification of the key differences between essential needs and discretionary wants.

- Why It’s Important to Know the Difference (06:01 - 09:00) 

Explaining how understanding the difference can help with budgeting and financial freedom.

- Strategies for Managing Wants in Your Budget (09:01 - 13:00) 

Practical advice for balancing non-essential desires within a responsible financial plan.

- Real-Life Examples of Wants vs Needs (13:01 - 17:00) 

Examples of everyday spending decisions illustrate the difference between wants and needs.

Overcoming Emotional Spending (17:01 - 21:00) 

Discussing how emotions can influence our spending choices and tips for staying disciplined.

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

Our focus today was on celebrating success stories—real-life examples of how effective budgeting and mindful spending have transformed lives.

Samantha shared some of her favourite success stories, starting with a long-term client named Paula.

After transitioning from another budgeting organization that charged her $20,000 in fees, Paula embraced the DIY approach offered by Spending Made Easy.

With just six months of support and guidance, she became empowered to manage her own spending plan.

The results were remarkable: Paula upgraded her car, installed solar panels, renovated her house, and even started her own business. This story exemplifies the long-term impact of adopting effective spending habits.

We also discussed the common traits among successful clients, highlighting the importance of being open to new ideas and recognising that there may be better methods than their current practices.

Samantha emphasised that the Spending Made Easy tool is a game changer, allowing clients to project their financial future and make informed decisions.

Another inspiring story came from a recent client who, as a single mother of three, initially felt overwhelmed and considered taking on a second job.

However, after following the spending plan, she discovered she didn't need the extra income and instead found herself in a position to pay off her mortgage faster.

This client expressed her joy at being able to manage her finances effectively for the first time, breaking free from the cycle of debt that often plagued her during the holiday season.

Throughout our conversation, we touched on the diverse clientele that Samantha serves, from single parents to high-income earners, and even pensioners.

We discussed how the spending plan can be tailored to meet the needs of various demographics, including young people just starting their financial journeys.

Samantha shared a heartwarming story of a mother who gifted her daughter a spending plan as a wedding present, illustrating the value of financial literacy from an early age.

As we wrapped up the episode, I was reminded of the profound impact that a well-structured spending plan can have on mental health and overall well-being. Samantha's insights reinforced the idea that taking control of one's finances is not just about numbers; it's about empowering individuals to live their best lives.

If you're interested in learning more about how to take control of your spending, I encourage you to reach out to Samantha Boardman at Spending Made Easy.

You can contact her at 0404 468 525 or visit spendingmadeeasy.com.au for more information.

Remember, every big change starts with a small step, so don't hesitate to take that first step towards better financial habits. Thank you for tuning in, and I look forward to our next episode!

Chapter Summaries

00:01:35 - Celebrating Success Stories

00:02:02 - Paula's Transformation

00:03:13 - Why Clients Stay with Spending Made Easy

00:03:59 - Common Traits of Successful Clients

00:05:13 - Another Inspiring Success Story

00:06:27 - Breaking the Cycle of Debt

00:08:03 - The Impact of Mindful Spending

00:09:44 - Spending Plans for All Walks of Life

00:11:30 - The Importance of Professional Guidance

00:12:44 - Budgeting for Pensioners and Young Adults

00:16:08 - Setting Up Young People for Financial Success

00:17:54 - Client Engagement and Support

00:20:02 - The Value of a Spending Plan

00:22:35 - Conclusion and Contact Information

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

From preparing for annual events like Christmas to managing unexpected expenses like car repairs, Samantha demonstrates how a spending plan provides clarity and confidence.

Listeners will discover practical insights into scheduling payments, managing income frequencies, and planning for future expenses.

Samantha also addresses common financial challenges, such as "waiting for payday" anxiety and money-related arguments in relationships.

Whether you're single, part of a family, or managing a business, this episode is packed with actionable advice to make your money work for you.

Transcript Summaries

1. [1:12 - 2:00] Samantha discusses the emotional relief a spending plan provides, enabling people to manage their money without stress or overwhelm.
2. [2:05 - 3:26] Samantha explains how a spending plan helps align income with expenses, covering wants, needs, and unexpected costs like car repairs.
3. [4:30 - 5:50] The conversation dives into budgeting for special occasions, such as Christmas, to avoid financial strain during the festive season.
4. [6:10 - 7:20] Samantha shares practical strategies for managing varying income frequencies and aligning spending habits with financial goals.
5. [8:45 - 9:55] The duo explores how spending plans reduce conflicts over money in relationships by creating shared financial understanding.

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

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

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

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

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

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

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

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

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

Buckle up for an enlightening journey with Samantha Boardman, the brain behind 'Spending Made Easy'.

Samantha is here to dispel the stress associated with the 'B' word and transform it into a tool for a brighter monetary future. Exploring the psychological impact of budgeting and the importance of saving for the things you want, Samantha leads us down a path of financial self-discovery, showing us how to take control and change our mindset towards spending.

Curious about how a spending plan can offer you financial flexibility and security?

Samantha walks us through the benefits of a personalized plan, demonstrating how to balance income and expenditure, remember due payments, and leverage automated payment systems.

Under her expert guidance, we delve into the advantages of a spending plan over a traditional budget, equipping listeners with strategies and insights to make spending easy. Listen in, learn and let Samantha Boardman make budgeting and spending an exciting, stress-free prospect.

--------- EPISODE CHAPTERS ---------

(0:00:03) - Understanding the Impact of Budgeting

Samantha Boardman helps us budget, change our financial mindset, and save for our goals.

(0:12:50) - The Benefits of a Spending Plan

Samantha Boardman explains how to manage finances with a personalized spending plan, balance income and outgoings, set up automated payments, and the advantages of a spending plan over a traditional budget.

What are the basic essentials we overlook each day and how can we keep our desires from playing tricks with our financial obligations?

We tackle these critical questions and more in this podcast episode, with the guidance of our esteemed guest, Samantha Boardman, the brains behind Spending Made Easy.

Samantha walks us through the road less travelled, where we learn to appreciate the vital basics like a sound roof, clean water, food, and clothing.

She also opens our eyes to the tricks our desires play on us, making us believe they are needs, and how this misconception often distorts our understanding of our financial responsibilities. 

In a world where advertising is the order of the day, do you ever stop to think about the role these agencies play in influencing your purchasing choices?

Together with Samantha, we peel back the layers of the art of impulse buying and how to avoid falling into this trap. We delve deep into how advertisers tap into our emotions to manipulate our buying decisions, underlining the importance of independent research before making any purchase.

This conversation offers valuable insights into the psychology of spending and provides tips on how to steer clear of buyer's remorse by making smarter buying decisions.

Moving onto the nitty-gritty of financial planning, we examine how to differentiate between wants and needs when budgeting. Samantha graces us with her expertise yet again, offering practical strategies for categorizing purchases, saving for genuine needs, and making intelligent spending decisions. We also touch on the art of using vouchers and sales prices to our advantage.

This episode is a goldmine for anyone looking to make major purchases or simply manage everyday spending more effectively.

So, lend us your ears, and let's redefine how you view spending, one soundbite at a time.

--------- EPISODE CHAPTERS WITH SHORT KEY POINTS ---------

(0:00:03) - Distinguishing Wants vs. Needs in Budgeting

Samantha Boardman helps us rethink our relationship with money by discussing budgeting, distinguishing wants from needs, and planning our money.

(0:08:11) - Prioritizing Wants and Needs, Avoiding Impulse Buying

We discuss wants vs. needs, budgeting, impulse buying, and advertising tactics to persuade.

(0:15:25) - Wants and Needs in Financial Planning

Distinguish between wants and needs, prioritize and save, use vouchers and take advantage of sales to make smart spending decisions.

(0:22:49) - Spending Made Easy Podcast Interview

Samantha Boardman helps us understand spending psychology, research purchases, and make better decisions.

Samantha Boardman, famed founder of Spending Made Easy? Samantha shares her unbeatable strategies to make your holidays more affordable than ever. From the magic of advance flight bookings and flexible dates to a deep dive into understanding tricky exchange rates, these insights are set to revolutionize your travel game!

The journey continues as we uncover the secrets behind choosing budget-friendly accommodations that don't compromise your holiday experience.

Whether it's picking the perfect hotel package or determining the necessities according to your travel plans, Samantha gives us some precious tips. Learn about the concept of the 'dream fund', a special savings plan solely for your travel adventures, and start building yours today!

As we wrap up, Samantha enlightens us about the common hidden costs that often take unsuspecting travelers by surprise. Budgeting for travel insurance, other travel expenses, and the importance of locking in exchange rates - all these and more are explored in depth.

Discover how to leverage reward points to save on flights and learn the effective use of a travel card. Don't miss out on these amazing budgeting tips that can make your dream holiday a reality!

--------- EPISODE CHAPTERS ---------

(0:00:03) - Budgeting for Holidays

Samantha Boardman shares tips for budgeting for holidays, such as booking flights in advance, staying flexible with dates, setting aside a dream fund, and navigating exchange rates.

(0:10:22) - Choose Budget-Friendly Accommodations for Your Holiday

We discuss ways to save on accommodation, packages, club rooms and spending money.

(0:16:25) - Budgeting and Tips for Travel Expenses

Budgeting for a successful holiday, including locking in exchange rates, using a travel card, and budgeting for travel insurance.

(0:28:38) - Thank You and Farewell From S.M.E

Samantha provides budgeting tips to get the best value for money on flights and accommodation, including locking in exchange rates and using a travel card.

Samantha Bordman, founder of Spending Made Easy, is here to solve that mystery. She opens our eyes to the magic of smart budgeting and spending plans, starting from outgoings rather than income.

By drawing on her experiences from both the UK and Australia, she illustrates how pay frequency significantly impacts our financial habits. 

As we journey into personal finance mastery, Samantha reveals the unsung benefits of spending plans.

Creating financial stability, determining your rent budget, or even simply breaking free from living paycheck-to-paycheck; all can be achieved with the right spending plan.

Throughout the episode, Samantha never fails to emphasize the power of the right mindset in maximising our hard-earned money.

Living a fulfilling life without breaking the bank might sound like a dream, but Samantha assures us it's not an impossibility.

Wrapping up the discussion, she stresses the importance of living within our means and setting realistic financial goals.

From her personal experiences to practical tips, Samantha provides us with a roadmap to smart spending and financial stability.

Tune in, and let's start making the most of our money with Spending Made Easy.

--------- EPISODE CHAPTERS ---------

(0:00:03) - Budgeting and Spending Made Easy

Budgeting with an outgoings-first approach, understanding UK vs. Australian payment habits, and having the right mindset are discussed.

(0:05:56) - Mastering Personal Finance

We discuss budgeting, smart choices, Aldies, splitting supplies, and adjusting plans for life changes.

(0:11:18) - The Benefits of a Spending Plan

Starting a spending plan helps achieve financial goals, determine rent affordability, stay on top of bills, and set good habits.

(0:23:35) - Living a Lifestyle Within Your Means

Samantha Boardman discusses strategies for smart spending, splitting supplies, setting financial goals, and using a spending plan.

Samantha Boardman, founder of Spending Made Easy, shares an enlightening chat about strategies to keep you motivated and in control of your finances.

She shares personal stories, including one about a client who squandered over $20,000 with a budgeting company before finding success with Spending Made Easy.

Samantha emphasizes the importance of confronting your budget head-on and seeking help when needed, underscoring that there’s often more money coming in than you anticipate.

The conversation evolves to discuss the relevance of financial planning and impulse buying, guiding you in making informed large purchase decisions. Samantha explicates how her signature product, the Spending Made Easy software, extends its reach globally to help you adjust to life changes.

As we wrap up, she emphasizes the critical role of a positive mindset when navigating financial ventures and how her guidance can be your beacon in the fog of financial planning.

Ready for a dose of practical advice and empowering stories to fuel your financial journey? Curb the curiosity, and tune in for this riveting discussion.

--------- EPISODE CHAPTERS ---------

(0:00:03) - Budgeting and Staying Motivated

Confronting spending plans, taking control of money and bills, and seeking help are discussed to help listeners stay focused on their goals.

(0:08:10) - Financial Planning and Impulse Buying

Using a spending plan to adjust for life changes, waiting before making large purchases, and using it as a 'crystal ball' to manage finances are discussed.

(0:18:21) - Staying Motivated in Financial Planning

Samantha Boardman's Spending Made Easy helps take control of spending, has global reach, and encourages a positive mindset.

They explore how different professions, such as financial planners, law enforcement, and tradies, can benefit from a spending plan.

They also highlight the value of a spending plan for young couples, retirees, and even radio hosts.

Samantha shares success stories of clients who have used her spending plan system to improve their financial situations and achieve their goals.

| **Timestamp** | **Summary** |

| ------------- | ----------- |

| 0:00:02 | Introduction to Samantha Boardman and Spending Made Easy |

| 0:01:03 | Importance of having a spending plan |

| 0:02:44 | Financial planners benefit from having a spending plan |

| 0:04:16 | Law enforcement and ambulance workers benefit from a spending plan |

| 0:05:53 | Even tradies and builders can benefit from a spending plan |

| 0:07:57 | Example of a builder who needed a spending plan |

| 0:09:50 | Importance of a spending plan for young couples, single parents, and retirees |

| 0:11:24 | Example of a single mom on benefits who used a spending plan |

| 0:13:13 | Importance of a spending plan for radio hosts and business owners |

| 0:14:47 | The DIY plan is suitable for those who are good with budgeting |

| 0:23:00 | How to contact Samantha Boardman for a spending plan |

TimestampSummary

0:00:02 Introduction to Samantha Boardman and Spending Made Easy

0:01:03 Importance of having a spending plan

0:02:44 Financial planners benefit from having a spending plan

0:04:16 Law enforcement and ambulance workers benefit from a spending plan

0:05:53 Even tradies and builders can benefit from a spending plan

0:07:57 Example of a builder who needed a spending plan

0:09:50 Importance of a spending plan for young couples, single parents, and retirees

0:11:24 Example of a single mom on benefits who used a spending plan

0:13:13 Importance of a spending plan for radio hosts and business owners

0:14:47 The DIY plan is suitable for those who are good with budgeting0:23:00How to contact Samantha Boardman for a spending plan

What if you could transform your financial future with a smart spending plan? That's exactly what we'll be discussing in this episode, where we're joined by Samantha Boardman, the founder of Spending Made Easy.

Samantha shares how a well-structured spending plan is more than just a budget—it's a stress reliever, a peacemaker and a future planner. 

Samantha opens up about the power of a spending plan in identifying and eliminating bad spending habits.

We explore the possibilities of a DIY approach to spending plans and how it enables you to take the driver's seat in your financial journey.

Samantha also explains how such a plan can be a game-changer for couples with differing financial attitudes, offering a clear, transparent view of where each penny is going. 

To wrap up, we focus on Samantha's commitment to providing flexible financial help, particularly for single moms. Her passion for going above and beyond is evident as she shares how she has helped her clients achieve their financial goals.

We conclude by sharing how you can connect with Samantha and take advantage of her expert services to regain control over your spending. Secure your financial future by tuning into this enlightening and empowering discussion.

We promise you'll come away with a new perspective on personal finance!

--------- EPISODE CHAPTERS ---------

(0:00:02) - The Benefits of a Spending Plan

Samantha Boardman from Spending Made Easy discusses how a spending plan can reduce financial stress, provide relief on payday, plan for expenses, and eliminate money-related arguments.

(0:09:09) - Benefits of a Spending Plan

A spending plan can help identify and address bad spending habits, compare income and expenses, and plan for treats.

(0:14:29) - The Power of a Spending Plan

A spending plan can provide control, break bad habits, and develop new financial habits.

(0:22:48) - Flexible Financial Help for Single Mums

Samantha Boardman provides support and guidance to help clients achieve their financial goals, encouraging flexibility and openness.

Today, we have Samantha Boardman, the mastermind behind Spending Made Easy, shedding light on this intriguing trend. Samantha takes us through how people are recalibrating their budgets and lifestyle choices in response to the increasingly challenging financial climate.

From sharing frugal yet delicious meals that stretch every dollar, to planning for a little indulgence without breaking the budget, Samantha provides a fresh perspective on managing finances without making life dull.

In the latter part of our riveting conversation, we delve into the effects of a significant percentage of people turning away from dating apps and the ensuing domino effect that might have on the dining and cinema industry.

Samantha's insightful advice on how to differentiate between needs and wants, adjusting your financial plans in light of rising interest rates, and maintaining a financial buffer is a goldmine for anyone seeking to gain control over their spending.

With soaring costs of living, this episode is a must for singles, families, and single parents alike - anyone who wishes to make smarter decisions about their spending habits.

Tune in and equip yourself with the tools to navigate the ever-evolving world of budgeting with finesse.

--------- EPISODE CHAPTERS ---------

(0:00:03) - Budgeting and Cutting Back

People are adapting their budgets to the current financial climate, learning to eat cheaply, budgeting for indulgences, and exploring cost-effective recipes.

(0:13:54) - Dating App Usage and Budgeting Trends

Cutting back on dating apps, budgeting strategies for interest rate hikes, and staying on top of money are discussed.

You're not the only one. This episode features Sam Boardman, the mastermind behind Spending Made Easy, a software designed to simplify budgeting, reduce financial stress, and put you back in control of your money. 

Sam takes us on her journey from the genesis of her software, which started humbly as an Excel spreadsheet, to its present form.

She introduces us to the interactive dashboard, account list, and bills account, and how automation makes sure all bills are paid on time. We also learn about the 'fluffy' account, Sam's innovative approach to managing day-to-day expenses.

Crucially, Spending Made Easy is not linked to any bank accounts, providing a secure platform to run 'what if' scenarios and get insight on when you can expect to reach your financial goals. 

With Spending Made Easy, your financial plan is not a one-size-fits-all. It allows you to tailor the software to suit your individual needs. It's an independent tool that helps you visualize your spending habits, track progress against goals, and make adjustments as needed.

We discuss the various categories and locations within the software, the pie chart feature that provides a clear view of your spending, and the loan calculator feature.

Finally, we hear about Sam's entrepreneurial journey and how Spending Made Easy can help you streamline your finances. Tune in to equip yourself with the tools to take control of your financial trajectory!

--------- EPISODE CHAPTERS --------

(0:00:02) - Simplifying Budgeting With Spending Made Easy

Spending Made Easy simplifies finances, automates bills, and helps manage day-to-day expenses.

(0:12:51) - Manage Finances With a Planner Tool

Spending Made Easy is an independent tool to experiment, replicate spending plans, do 'what if' scenarios, and track finances visually.

(0:20:08) - Spending Planner Features and Customization

Spending Made Easy software enables users to customize spending plans, view pie charts, and use loan calculators, and backup plans.

(0:29:25) - Spending Made Easy Podcast Episode

Sam explains how Spending Made Easy is customizable and helps users get their finances in order.

We discuss the struggles many face in juggling their finances and budgets, especially in light of electricity price hikes. Samantha shares strategies to plan ahead, cutting back on unnecessary expenses and paying off debts in smaller, manageable amounts over time.

This episode provides valuable insights into how to effectively manage financial stress and navigate budgeting. 

In the second part, we explore ways to control spending and make budgeting simpler.

Samantha shares her experiences with clients who were overwhelmed by their financial situation and how a well-structured spending plan helped them regain control.

We also discuss the importance of communicating with creditors when payments are overdue. Listen as Samantha details how her Spending Made Easy software can make the budgeting process more manageable and efficient.

This episode is a must-listen for those looking to improve their financial management and make sense of their spending.

If you're interested in Sam's services, you can contact Samantha at 0404 468 525 or visit spendingmadeeasy.com.au.

https://www.spendingmadeeasy.com.au

As we discussed her courageous act of spending a full night on a piece of cardboard to raise funds and awareness for the South Australian charity Food on the Table, we delved into the harsh realities faced by those who are homeless.

We also addressed the government's shortcomings in providing effective solutions for this vulnerable population.

Samantha and Ron also tackled the importance of giving back to those less fortunate, particularly in challenging times.

With the decline in cash usage, charities now miss out on the once-abundant loose change that filled their donation tins.

We explored the rise in the number of homeless individuals and the desperate need for temporary and permanent housing options.

Samantha shared other ways to lend a helping hand, such as donating toiletries and taking the time to genuinely listen to a homeless person's story.

As we wrapped up our conversation, we emphasized the significance of managing our finances and how minor adjustments can make a world of difference. Samantha highlighted the value of seeking help during financial difficulties, as well as the impact small acts of kindness can have on others' lives. If you're ready to take control of your spending while making a meaningful difference in the lives of others, be sure to listen to our enlightening chat with Samantha Boardman, and explore her services at Spending Made Easy.

If you're interested in Sam's services, you can contact Samantha at 0404 468 525 or visit spendingmadeeasy.com.au.

https://www.spendingmadeeasy.com.au

She admits that she's still trying to get the hang of the platform, but her main goal is to spread the message about the importance of budgeting and financial planning.

As Ron and Sam point out, these essential life skills are not being taught in schools, leaving many young people unprepared for the financial challenges they'll face in adulthood.

The Importance of Saving:

One of the key aspects of financial planning that Samantha emphasizes is the importance of saving. Whether it's for a house deposit, travel, or other big-ticket items, having a savings plan in place is crucial. Unfortunately, the goalposts for these milestones seem to be constantly moving, making it even more critical for individuals to take control of their finances and become self-reliant.

Rising Electricity Prices:

A pressing issue that many people are currently facing is the rising cost of electricity. With prices set to increase by a quarter from the 1st of July, many households will be feeling the pinch. Samantha acknowledges that this is a challenging situation, but she believes that having a solid budgeting plan in place can help individuals and families navigate these financial hurdles more effectively.

In these trying times, it's more important than ever to take control of our finances and become self-reliant. Samantha Boardman's budgeting and spending plans can provide the guidance and support needed to achieve financial stability and peace of mind.

Don't hesitate to contact her for assistance, and check out her TikTok videos for helpful tips and advice.

If you're interested in her services, you can contact Samantha at 0404 468 525 or visit spendingmadeeasy.com.au.

https://www.spendingmadeeasy.com.au

Samantha is also currently working on an online course to further assist her clients in managing their finances.

In addition to her work with Spending Made Easy, Samantha is also involved in various community events. One such event is the upcoming Soup and Sleep, organized by Café Outside the Square in Adelaide.

Samantha will be participating in this event to raise money and awareness for the homeless population in Adelaide.

Participants will sleep on cardboard in the middle of the city to experience the hardships faced by those without a home.

Samantha's dedication to helping others, both through her business and her community involvement, is truly inspiring. We look forward to hearing more about her experiences and the impact of her work in the future.

In the meantime, if you're looking to take control of your spending and remove the stress around money, don't hesitate to reach out to Samantha Boardman and Spending Made Easy. With her guidance, you'll be on your way to a more financially secure future.

She is also continuously signing up new clients who are looking to improve their financial situation. If you're interested in taking control of your spending, you can contact Samantha Boardman at 0404 468 525 or visit her website at spendingmadeeasy.com.au.

https://www.spendingmadeeasy.com.au

Many people struggle with financial stress, but there is a solution. Today, we're going to chat with Samantha Boardman, the founder of Spending Made Easy, a budgeting and spending plan business that helps single parents, families, and individuals take control of their finances and remove the stress around money.

Samantha's Journey to Success:

Samantha Boardman didn't start out as a budgeting expert. She had to work her way up, gaining experience and knowledge along the way. Through her hard work and dedication, she has been able to help countless people take control of their finances and live the life they want to live.

Samantha's Spending Made Easy plan has gained international recognition, with clients in countries such as South Africa, the USA, and Luxembourg. Her system works with any currency, making it accessible to people all around the world.

The Importance of Budgeting and Spending Plans:

The key to financial success is having a solid budget and spending plan in place. By making sure you have your T's crossed and your I's dotted, you can ensure that you are living within your means and not accumulating unnecessary debt.

Budgeting and spending plans not only help you manage your money, but they also help you build a strong foundation for future financial success. With a clear understanding of your income and expenses, you can make informed decisions about your financial goals and priorities.

How Spending Made Easy Can Help You:

If you're ready to take control of your finances and remove the stress around money, Samantha Boardman and Spending Made Easy are here to help. By working with Samantha, you'll receive personalized guidance and support to create a budget and spending plan that works for you and your unique financial situation.

To get started on your journey to financial freedom, contact Samantha Boardman at 0404 468 525 or visit SpendingMadeEasy.com.au.

Don't let financial stress control your life any longer. With the help of Samantha Boardman and Spending Made Easy, you can take control of your finances and start living the life you've always wanted. Reach out today and begin your journey to financial success.

https://www.spendingmadeeasy.com.au

In this episode, Samantha shared her passion for her business and clients, and we were fortunate enough to have one of her clients, Tam, join us on the line to share her experience with Spending Made Easy.

Tam, a recent client of Samantha's, attended the Nail Your Budget workshop earlier this year and has since been navigating her way through the spending plan.

She shared how the program has helped her take control of her finances and change her life for the better.

Samantha's dedication to her clients and their financial success is evident in how she speaks about them and her program's impact on their lives. If you want to take control of your spending and achieve financial freedom, we highly recommend reaching out to Samantha Boardman at Spending Made Easy.

To get in touch with Samantha, you can contact her at 0404 468 525 or visit her website at spendingmadeeasy.com.au.

Don't let financial stress hold you back any longer – take control of your spending and change your life with Spending Made Easy today!

https://www.spendingmadeeasy.com.au

Do you want to take control of your spending and enjoy life without breaking the bank? If so, you're in the right place.

Today, we're talking with Samantha Boardman, founder of Spending Made Easy, a budgeting and spending plan business that helps single parents, families, and individuals remove the stress around money.

Samantha joined us on Podcast City Radio to discuss her approach to budgeting and how it allowed her to enjoy a mini cruise without any financial worries.

The Importance of Budgeting

Samantha emphasizes the importance of having a budgeting plan in place, especially when it comes to planning for fun experiences like vacations.

By knowing how much money you need for a specific event or trip, you can save accordingly and ensure that you have the right amount of funds to cover it.

For example, Samantha had always wanted to go on a three-day cruise. She knew that the cost would be around $500, so she included that amount in her spending plan. By allocating and saving for this expense, she was able to book the cruise without any financial stress.

Finding Deals and Surplus Funds

One of the benefits of having a budget in place is that it allows you to take advantage of deals and sales when they arise. In Samantha's case, she could book a balcony room on her cruise for just $350, thanks to a sale. This left her with a $150 surplus in her budget, which she could use for other expenses or save for future fun experiences.

This example highlights the importance of being flexible with your budget and being open to adjusting your spending plan when opportunities arise. By doing so, you can enjoy life without breaking the bank.

Budgeting doesn't have to be a daunting task. With the right approach and mindset, you can take control of your spending and enjoy life without worrying about money. If you want to learn more about Samantha Boardman's budgeting and spending plan services, contact her at 0404 468 525 or visit spendingmadeeasy.com.au.

Remember, a well-planned budget can help you enjoy life's experiences without financial stress. So, start planning today and make the most of your hard-earned money.

https://www.spendingmadeeasy.com.au

In this episode, she discusses Why budgets don't work - but spending plans do.

https://www.spendingmadeeasy.com.au

In this episode, she discusses Why budgets don't work - but spending plans do.

https://www.spendingmadeeasy.com.au

In this episode, she discusses "Is Money REALLY the Root of All Evil...???". 

https://www.spendingmadeeasy.com.au

In this episode, she talks about why "frequencies do Samantha's head in" and how are spending budget can help you with this.

https://www.spendingmadeeasy.com.au

Is this episode she talks about 3 Reasons why you need to budget.

https://www.spendingmadeeasy.com.au

https://www.spendingmadeeasy.com.au