I met Carmen and Max (not their real names) at a wedding expo. They were looking for inspirational ideas for their wedding that didn’t cost the earth.
They have been wanting to formalize their loving relationship for quite some time, but with 4 children they have had to wait until now to even consider getting married. As we all know, children cost a lot of money!!
When we met, Carmen’s income had recently been slightly reduced. This affected their ability to be able to pay all their normal bills on time, and they were actually struggling a little – not able to pay school fees in full, the electricity bill was more than anticipated, no spare money to buy footy boots for the boys.
So there appeared to be little spare money available to put aside for a wedding.
Carmen collected all their expenses and their due dates, and we put their first draft Spending Plan in place. Because the software identifies every day in the future when people WON'T have enough money to pay all their bills, It quickly became obvious that Carmen and Max were never going to have enough money to pay all their bills on time, let alone save for a wedding, as their expenses were about $25,000pa ($480pw) MORE than their income – no wonder they were struggling. They would never have known this without having access to the future forecasting software.
However, their situation was able to be reversed almost immediately. As a Spending Planner, I take an overarching look at every single expense, and I quickly identified several major expenses that Carmen and Max were paying far too much for.
Carmen contacted each of these providers the same day, and with just 3 major expenses she was amazed to discover that they could save $273pw. By also adjusting the timing of several other regular expenses and making minor adjustments to every other expense, I showed Carmel and Max how they could reduce their expenses to be less than their income, and they were able to sleep soundly that night for the first time in many months.
Right from the start, they were also able to safely set aside regular amounts to cover unpredictable expenses (think vet emergencies, broken down car, plumber, etc), plus next year’s school costs for the 4 children, something they had already struggled with coming straight after Christmas.
AND BEST OF ALL, there was also enough spare money to start putting some aside for their wedding!!! They have been able to set a date, and are well on track to achieving that savings goal 16 months after commencing the Spending Planner program!!
They have gone from zero savings to having over $7,000 in savings 7 months later. What a fantastic result!!
My Financial Sh!t Storm turned around!!
It was a dismal month once again, struggling to find money to pay for normal everyday bills, not being able to last the month, and literally living paycheck to paycheck. I was borrowing money from here to pay for there and it was a nightmare. I fought with my husband most days he was home and blew up every time he asked for money.
I looked after the money and it was my job to be all over it and I wasn’t. How could we be in this position we live on a mining wage-earning the big bucks living the dream........ Bullshit! We are earning the most we ever have, and how was it that our money was not working for us? In stepped a family member who said - You need to go and see Kim the Spending Planner.
My family members said this woman had literally changed their lives.
I was intrigued and had to find out more, so I gave Kim a call, and the rest as they say is history! In my first meeting, I instantly felt connected, calm, and not judged by my situation. For the first time ever I could be honest with someone else in a safe environment, someone who provided me with empathy and a friendly ear to tell her what I couldn’t tell anyone else.
Through the Spending Planner Program, Kim has taught me a lot about money but also about my relationship with money - and must I say it was pretty toxic. I now have the ability to “Crystal Ball” EVERYTHING. I know when I can afford something, how I can afford it, and how to say NO if I can’t.
I was skeptical when I went in and thought how is this lady going to help me? But I had nothing to lose. I had hit rock bottom and I was desperate and willing to try anything.
Forget what you have ever learned about budgeting and be prepared for some real financial spending success. I am happier and not stressed, my relationship with my husband is wonderful, and I don’t dread going to the mailbox anymore, because I know it’s all already in my plan.
Having the ability to forecast my money and spending has been an absolute dream!!!
I cannot thank Kim enough for all she has done for me and my family. Everyone in the house is on board, and they know that if it isn’t in the plan it’s not going to happen!
I’ve got this!!
Pioneer Valley, Mackay
Wanting to regain confidence in myself after a toxic relationship breakdown, I sought support from my Employee Benefits on offer. HR advised I could use Premier Spending Planners to go through my finances and set out my goals and make a plan for my future.
I was hesitant about the success that could be achieved but went in with an open mind and heart. WOW! 6 months later, my mind is blown. I have gained not only confidence in my budgeting and savings abilities but comfort in knowing I have a nest egg growing to support myself in case of emergency.
After years of having relied on others to manage my finances, support me, or overspending to feed my emotional issues, I now see what my future can hold.
In two years I’ll be the owner of a new car and in just over four years I’ll have successfully purchased my own home!
Not only for those big purchases, but this program also allows you to track spending of everyday items, allow yourself a weekly amount that you can spend, and identify savings potentials/cutbacks.
It’s true what Kim Donnelly of Premier Spending Planners says, if you put the hard yards in you WILL see the fruits of your labor! I couldn’t be happier with the service and support received. Kim was able to meet up with me in person local to where I live on a weekly basis for the first month, then we caught on SMS and email when I needed any further advice.
I started putting the program into use immediately in my life and now everywhere I look it’s an opportunity to assess my spending and future growth opportunities. I have learned more about financial terminology and options from asking more and more questions, and Kim continues to give me access to her unbridled knowledge.
Kim also has a band of merry men and women she networks within Mackay that I am in contact with to step to the next level of my financial success. Kim works hard to help me identify and reach my goals, and I wouldn’t be where I am today without her!
If you want to see what your future can bring you, open your wallet today and invest in yourself and your financial freedom.
Kerrin Crowe, Mackay
A few years ago I stopped working to start my family and shortly after our son's 1st birthday, I fell pregnant with our second child. At the same time, my husband grabbed hold of an opportunity to pursue a career as a firefighter. All of these changes placed a significant impact on our finances.
My husband and I have always managed things well. To say our budget was tight is an understatement, but we felt like we could be managing it better. There were small overspends here and there that added up, and our savings were steadily declining.
After listening to Kim's stories about helping people in more dire financial situations than ourselves, I decided to give it a go. And I am so glad that I did. All the day to day financial stress has been lifted. Once our plan was in place I literally felt that weight leave me.
I was happy that we had planned for everything we could possibly think of; we had regular contributions to our savings and we even had some allocated for all those unpredictable bills.
I cannot recommend Kim highly enough for the help. When it comes to finances my approach was always to bury my head in the sand, but with her help I don't feel that way anymore. I am confident that we can only go from strength to strength.
I really recommend if you are struggling just getting on top, or in reaching those savings goals, or even if you just feel like you could be doing more to make your life less about your budget, get in touch with Kim.
I was lost with money.
it was just coming in and out of my account with no accountability with what I was doing, and basically achieving nothing. I have a good paying job but just never seemed to get ahead.
Kim showed me where my money was going and how to organise my bills and life expenses to maximise my money.
Saving has become easier. In the beginning, seeing where my money was going was a shock, I had no idea how much in life we payout in our daily living.
But now, with Kims' help, I'm able to pay off my personal loans earlier, better manage my bills, see where my future finances will be if I stick to my plan, and I WILL.
I really can’t thank Kim enough for her help, and putting up with my crazy shifts and the personal sadness I faced recently. She's a blessing.
Debra, Mackay Hinterland
Stacie & Sean
After burying our heads in the sand about our financial situation for many years we decided it was time to tackle this very stressful position we were in head on.
For many years we had been living from pay to pay, wondering each week how all of our bills were going to get paid and still have money left over to basically 'live' each week. WE NEEDED HELP!
After a recommendation, we booked an appointment with Kim at Premier Spending Planners, and we haven't looked back since!
For the first time, we are actually excited about our money and where we are headed, all because we have a SPENDING PLAN!
From the ongoing support, we have received from Kim, our meetings, and weekly check-ins, money is no longer something stressful in our lives.
We began seeing Kim in June this year and within this short timeframe, Kim has taught us how to successfully manage our own money in a spending plan that suits our family and our needs, whilst still having surplus funds in the bank.
Never once has Kim made us feel like we are on a budget, more of a financial journey that we look forward to and are proud of!!
We honestly wish we had Kim in our lives a lot sooner than this. By far the easiest and stress-free we have ever felt about money!
Stacie and Sean
Tom & Jessica
My partner and I weren't in any sort of financial hardship, but we also were not getting anywhere nor moving forward without money saving for a house and starting a family.
Upon calling Kim and setting up our spending plan program it really helped us to itemise where our money went and planning what was coming up in the future. The program also gave us projections of what amount of money we should have left at any day in the future if we followed the budget we set. In doing this we were able to put money aside and pay off a number of loans and credit card debts quite quickly simply by being able to see what we could afford on different weeks.
The program also allowed us to set out timelines of when things would be paid off, and when we could put that money towards our house deposit. What it also showed us was that we could be saving, paying off our debts and still have a life without needing to rely on credit cards!
All in all, Kim is excellent to deal with, coming forward with ideas and strategies to get you in the position you really want to be financially, and her program is easy enough to play around with and track your progress.
I would recommend this service to anybody who is looking at ways to get themselves out of a bad place, or to simply get a gameplan of how to use your money wisely and with a purpose!
Tom & Jessica
Paid off TWO credit cards in 8 months, a huge sigh of relief and weight off my shoulders.
Saved up $10,000 at the same time in my business!
Kicking goals! So confident with my finances that I'd finally rented a studio space for my photography business.
Thought it was going to be a hard journey, but it wasn't, and I'm grateful for it and for Kim as my financial mentor.
Moving forward and upward, saving for a car, a new computer, and a holiday!!
Jackie & Justin
Appointing Kim from Premier Spending Planners has been an inspired decision. With 2 young boys & both working, we have a busy life. We earn a reasonable income but each month we were falling further behind & it was stressful. Kim has not only assisted us back to a comfortable financial situation she has given us financial skills for life, skills we can pass onto our children!
We now have a workable plan amendable to the needs of our family and can finally save for our dream property. I can't stress enough that you need this now, don't keep letting your hard-earned cash slip away.
Hi, my name is Helena - I recently purchased my first home on my own and found that the cost of living and paying for all those bills kept piling up beyond my control. I was very lucky to get in touch with Kim from Premier Spending Planners just in time to seek some help.
Kim has helped me greatly over the last few months, in setting up a very easy to use, practical and totally transparent spending plan that allows me to still have the freedom to live my life the way I want to and to be able to cover all those bills easily and on time.
The spending planner program is easy to use and shows me what my financial life looks like in a simple and easy to adjust the way that allows me to plan for and cope with my bills and debts successfully on my own.
Kim has offered great assistance with setting up the plan, researching the best ways to help me save and putting me in touch with other professionals for extra assistance.
Within a short few months, I am so much more confident and relaxed about my financial life, and it's all thanks to Kim. I honestly couldn't have done it without her.
Hello, my name is Grant and I have a question for you. Do you ever ask yourself or your partner - Where did all the money go?
This was a question I was asking all the time, my wife and I earn a very good income but never seemed to have any money left. Our finances and our spending were out of control. Plus the overwhelming fact we needed a new car for our growing family. We were in a downward spiral and seemed to have no way out of it. The pressure this was putting on our marriage, relationship and family was intense.
Then by chance, we were introduced to Kim Donnelly from Premier Spending Planners. We met with Kim and signed up to the spending plan that day. We had nothing to lose and everything to gain if the spending plan work as Kim had explained to us. It has been 6 months since we have started the spending plan and with Kim’s excellent guidance and ease to talk to, we now have control of our finances and we have bought a new car.
With Kim’s help using the spending plan and dedication and an open mind to your finances, you too can gain control over your finances.
Grant, Northern beaches, Mackay
My husband and I were spending more money than we earned, living off our credit card.
So when I had the opportunity to meet with Kim, and she said that so long as I implemented her suggestions, if I wasn't at least 2 times better off than the cost of her services within 12 months, that she would refund the money that I paid her for her services. I thought well, I don’t really have much to lose!
We started the plan in May 2018, it was very tough getting my head around how it was all going to work. But by the time we got our tax refund back in August, we paid the credit card off and I was more aware of our spending. We had to cut down on a few things, for example, my husband smokes, so he changed to a cheaper brand of cigarettes. I am so happy that we went with Kim because she showed me that you CAN actually get your life back on track with only a few minor sacrifices.
We have a dream – a dream to be out of debt, to buy some land and build a house, and have enough money in our bank account to not have to worry ever again. When I met Kim, she showed a great understanding of where we had to be and how we could get there.
Using the spending plan, we can see how well (or not) we are doing at any given point. It is awesome to know that if we spent money in July, we wouldn’t have enough money in October and so we could plan around it. Kim has taught us what we didn’t learn in school. A spending plan is very different from a budget and this is true. A Spending Plan, plans for our future, our children’s future. I know once all our debt is paid, we will be ok for the rest of our lives. For most people, this would not be something they could fathom. With Kim, it is possible.
Kim has not only shown us how to get through the difficult times and to make wise decisions in the good times, but she has also shown us the diligence and maturity we need to have with money to reach our goals.
Kim has been by our side the whole journey. She has open communication with me whenever I need it; we have regular appointments for when I get stuck, to go through what our plan looks like for the future, and implementing new plans for each area with our financial/life goals.
I encourage anyone who is having difficulty with their money, making ends meet or are even fine with their money and just wish to plan better and for the future – make a free appointment with Kim NOW - it will be the best step you have ever made.
Vanessa, Northern Beaches, Mackay
Hi, my name is Wayne and I'm a self-employed courier franchise owner-operator. I started with a small van about 3 1/2 years ago slowly building the business up to what it is now. I now have a larger newer van and 1 subcontractor working for me.
The business now is making over $20,000pa more since I bought it. The problem was bills and my lack of computer skills that seemed to be holding me back. Even though I was making my commitments and paying my bills, I couldn't see light at the end of the tunnel.
I have a very good accountant who has helped me out many times in the past, however, all accountants are quite costly. Then one day when I was stressing over financial problems, my accountant put me in contact with Kim Donnelly. I thought I have nothing to lose, so I contacted Kim. Glad I did and wish I would've done so sooner. Kim has filled the hole that I was having trouble with and set up a spending planner program on my computer. My lack of experience and time made it hard for me to keep on top of things. But now working with Kim has not only given me more free time, but I can also now see light at the end of the tunnel, and see my bank accounts slowly growing with my business. The best thing is its very inexpensive. I will keep working with Kim as long as I have to, and strongly advise anyone with similar problems to give Kim ago like I did.
Wayne, South Mackay
Anya & Jake
Our names are Anya & Jake,
We knew we were in trouble financially in 2018 when an upcoming decrease in income was looming and we were already living paycheck to paycheck. The only thing that stressed us out more than our debt, was having to borrow money from family to essentially be able to live. We felt like we were getting nowhere, and felt like complete failures as parents and as adults.
Along came our referral to Kim, and the amazing work she does as a Spending Planner. I was a bit afraid to get in contact with her initially, as we had attempted budgeting in the past and have always found it way too overwhelming. But from the very first contact, Kim helped us feel comfortable, safe and helped ease the guilt of our bad financial choices. For the first time in a long time, we felt like we could get on top of things.
And oh my, what a journey it’s been!
Since enlisting Kim’s help, we have had change after change, designed I’m sure to test our sanity - loss in child support and family allowance, cut off from pay for 3 weeks, moved house, wage changes and ultimately changing jobs, all of which Kim helped us navigate to ensure that we can make it through and keep a roof over our heads, food in our belly’s AND all bills paid.
Some weeks it still gets tight, and we have to stretch to make it through to the next pay, but the difference is now we know everything is paid for – we KNOW that we are not in arrears, we haven’t needed to borrow money, and we have met our obligations. We can see that the plan is working, and to be able to see that it’s not forever and that all this is working towards the bigger picture (debt-free, comfortably living, able to take holidays with our children), is an indescribable feeling. We would have had none of this without Kim’s help, and we are forever grateful that she came into our lives right when we so desperately needed help.
We only wish we had started earlier! Don’t hesitate to get started with Kim - you won’t regret a moment of it!
Rick and Leanne
Thank you firstly for your assistance in turning around our financial position and secondly for the opportunity to provide a testimonial for Premier Spending Planners.
My wife and I have always been comfortable financially. While we are not well off, we would not be on the bones of our backside either. The money came in and was spent and so it rolled on month by month. We would always seem to be in a financially similar position at the end of each month. We had no real savings plan or any way of forecasting potential times where the money would need to be put away in advance of a bill or cost that was unexpected. Occasionally a few extra unexpected bills would come in. We would find a way to recover but had no real plan to ensure we didn't get surprised again in 12 months time.
I was paid monthly and would pay off the credit card as soon as I was paid and then use the credit card to make all purchases as a way of tracking our spending. This seemed to work until our son was involved in a car accident. In order to fix our car and get it restored it wiped out our spare cash from our bank account. This coupled with Christmas, and bills soon had us in a not so great position of a credit card near its limit and a spending habit that was greater than our income. We would go out for dinner a couple of times a week, as it was quick and easy or after kid’s activities. This all accumulated into a position where we needed help to get ourselves financially on track.
Leanne had met Kim at a business networking breakfast where Kim talked about her business Premier Spending Planners. Leanne suggested that we talk to Kim to see if she can help. To be honest I wasn’t really keen at first. As a typical man, I had left the bookwork and financials in my wife’s hands. We were running 2 successful businesses. I thought “ We bring in all this money where does it go”. In reality, talking to Kim was the best thing moneywise we have done to date.
Kim’s helpfulness was immediately apparent. We signed up at our initial meeting. It was a relief to see that the problems we were facing are not unusual to a lot of her clients and that she had assisted them. We came away from this meeting with a sense of relief that we could get ourselves financially and emotionally back on track. To be fair financial strain places pressure not only on the bottom line but can also strain relationships.
The first part of the process was to do an open heart of our true financial position working out all our bills, when they were due, what was necessary and what was extra spending that was unnecessary and could be cut. It was confronting but working through the plan only made our resolve that much stronger as we saw opportunities to reduce spends that were taken for granted. I remember a couple of times saying why is there this bill for $x each month. We haven’t used it for years…
We had dreamt of going to Sweden at the end of the year to see our son who was studying in Gothenburg. This dream seemed out of reach, as we needed to find an additional $25,000 for the holiday that, on the way we were going was impossible. With Kim’s help and consistent guidance, we were able to get the tickets booked!!!!!
It was a revelation to me to see how much of the money is accounted for prior to anything else. It showed me quite quickly how much extra money can be redirected to areas that require immediate attention, and how by utilising the tools Kim brings can lead to surpluses in what was once financially daunting.
Thanks, Kim again for your help. I hope you can assist others who are in a similar position to where we were.
Regards Rick and Leanne, Northern Beaches, Mackay