Premier Spending Planners in Mackay, Queensland | Financial service

Premier Spending Planners

Locality: Mackay, Queensland

Phone: +61 416 189 762

Address: 9 Callaway Court, Bakers Creek 4740 Mackay, QLD, Australia

Website: http://www.premierspendingplanners.com.au

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25.01.2022 Some people might baulk at creating a budget and trying to stick to it, as they incorrectly think it would take WEEKS to collect all their expenses, get their Spending Plan in place, and then start seeing Savings in the bank. Well, THINK AGAIN!! It can be done in 3 DAYS!! I met a new client last Wednesday evening, and by Saturday, after meeting for only the second time, we had her perfect Spending Plan fully in place! 3 DAYS how fast is that?... Without needing to consider reducing ANY of her expenses at this stage, she discovered she actually has $375pw spare every single week starting NEXT PAY. And this $375pw is AFTER all probable future expenses have been taken into consideration!! 1) She now has an account set up into which she will transfer a regular amount so that all future unexpected expenses should be covered, thereby eliminating the need to continually rob her savings to pay normal bills. 2) Her car will be paid out in 22 months instead of 4 years; 3) She will have $6,500 saved by Christmas 2021 towards her share of their wedding costs, AND 4) If she gets her pay-rise next month, she KNOWS with 100% certainty, that she will also be able to allocate the WHOLE pay-rise towards their wedding savings!! She was sick and tired of never getting ahead with her money. She is READY for change, keen as mustard, and super excited knowing she has Premier Spending Planners in her corner, to help ensure she remains accountable to her goals and on track during the next 6 months! This time frame of 3 days to create their perfect Spending Plan is quite common with many of my clients who are keen to improve their lives. All it takes is a positive attitude, enthusiasm, excitement, and the knowledge that this program is LIFE CHANGING. In case you haven't done the math, an extra $375pw = $19,500 every year for the rest of her life!! If you too would like to become excited about your financial future, just take a look at my website www.premierspendingplanners.com.au and then book a free 15 minute call with me to learn how this can be you as well! Premier Spending Planners Dream. Plan. And SUCCEED!!

24.01.2022 Very thought provoking message. Do your children understand and appreciate the silent sacrifices you have made their whole lives, to ensure they are able to achieve their dreams? Giving children everything is not the best thing you can do for them. They will grow to be much more caring adults if they work for what they have, and they will better understand the value of what you have given them.

22.01.2022 Having kids is expensive. In fact, the weekly cost of having just one child in Australia is estimated to be $263. There are lots of costs to consider and one of the big ones is maternity leave. How much money will you need to set aside to pay your bills and cover expenses while your partner is away from work? During this time your income will be reduced by half, but your expenses will stay the same (and maybe even increase). If you don’t plan ahead and take the right steps ...to ensure you’re ready, this could be a real stretch financially. In this article, we’ll take a look at some of the things to consider when saving for a baby, and how to make sure you save enough. Learn More: https://www.premierspendingplanners.com.au//are-you-100-su

18.01.2022 If any of the below is applicable to you, Premier Spending Planners can make a huge difference to when you can enter the property market, as we specialise in showing people how to significantly reduce their expenses so they can purchase a home much sooner. - Are you struggling to save enough deposit for your new home? - Would you like to enter the increasing housing market sooner? - Are house prices increasing faster than you can save your deposit?... - Would you like to learn how to save on the purchase price of your new home, plus on rent? If you are able to purchase 12 months sooner, you will also save 12 months of rent, which can be channeled into YOUR mortgage, not your landlord's. Learn More: https://www.premierspendingplanners.com.au//how-to-purchas

18.01.2022 The detrimental effects of using Buy First, Pay Later facilities to buy Christmas presents if you don't have enough money in your bank account to buy gifts right now - Most of us are only guessing when we buy something, if we can really afford this expense, and if we will still have enough money in the bank next week/month to pay all our bills. And often we guess wrong. This couple's Spending Plan shows them that although they have a lot of debt commitments, they WILL jus...t be able to safely get through this crazy spending time of the year between December and February, and after that they will be able to steadily start saving. But IF they had given in to old habits and decided to use Buy Now, Pay Later facilities to buy 4 extra Christmas gifts for the kids, they would have been required to somehow find the extra money to pay 4 weekly payments for each of the 4 gifts. In this instance, 4 payments each of $35, $45, $11 and $13. The result is that in January their bank account would not have enough money to pay several bills 3 times during the month, and they would be short by $346.67. That may not seem a lot of money, but for this family it means they will not be able to afford to pay several monthly payments in January - - phone bill - insurance premium - credit card payment - electricity - regular school fees payment plan A Spending Plan shows you AHEAD OF TIME how seemingly insignificant spendings such as this can have such a detrimental effect on your ability to pay all your bills. If you find that such spendings have affected your cash flow and you are struggling to pay your regular bills, feel free to contact me on 0416189762 for a confidential discussion to find out more about how I have successfully saved many families from financial stress. THIS Christmas and Back to School period may be causing you grief, but let's ensure you are in the driver's seat early in 2021 so this never happens again.

17.01.2022 HOW TO TURN AROUND EXPENSES BLOWING OUT OF CONTROL, IN JUST A FEW SHORT WEEKS - AND BE ABLE TO AFFORD TO PURCHASE A NEW 4WD IN 5 MONTHS! One of my clients thought that his family's money situation was so bad that it couldn't be fixed. Their credit card was maxed out, and for 3 months in a row there was no spare money in their bank account to pay the full monthly credit card due balance. His overdraft balance had been INCREASING instead of decreasing, as he thought he had no... other option but to pay the monthly credit card balance from the overdraft. I reassured him that their situation was similar to that of many others, and that people in far worse money situations were in full control of their money again in only a few short weeks. I worked hand in hand with them to identify all of their expenses, and AT OUR VERY FIRST MEETING TOGETHER they were shown how to quickly get their money back on track. From the day we put their Spending Plan in place, they were once again able to pay their credit card balance from their normal bank account in full, and within 5 months their overdraft balance had been reduced by $9,000!! They were so confident with their progress, that at the 5 month mark, they purchased a NEW off-road 4WD, as they KNEW they were now able to afford it. HOW AMAZING IS THAT!!! Initially, this fellow thought - how can I afford to engage someone with the expertise to help me get out of this situation? But he understood that if he didn't do something about it NOW, he and his family were going to end up far worse off in coming months. He slept well for the first time in many months once he saw that they were able to get back on track immediately, and that they would have extra savings even after our affordable fees were factored in. Savings were something they hadn't had in a LONG time. So for those who may still be wondering How Will I Afford Budgeting Assistance When I Am Already in Dire Straits, take a read of my FAQ on this subject on the Home Page of my website www.premierspendingplanners.com.au

17.01.2022 Australia has the highest household debt in the world, second only to Switzerland. So many of us are in spirals of huge debt that we struggle or can’t control. So how do we get to this stage? Here is an article by Credit Mediation Services on the seven surprising reasons why people can’t (or don’t) escape a debt spiral; and how you can climb back out, even if you feel you’re too far in. Going to an excellent credit mediation company such as Credit Mediation Services shoul...d be a last resort, but it may be the only thing that people in extremely dire circumstances can do. HOWEVER, the majority of people who come to Premier Spending Planners thinking there is no way out of the serious cash flow problems they are experiencing, find that our program completely turns their financial lives around in a relatively short period of time, and before they know it, they are in FULL CONTROL of their money again, and saving for the first time in a very long time. You are welcome to contact me any time to find out more!!! https://creditmediation.com.au//7-reasons-why-clients-can/

15.01.2022 Don't be fooled into thinking that just because others earn more than you, that they are in control of their money. Even those on high incomes often spend more than their income. A Spending Plan will show you how to avoid this, whether you are on a high OR a low income. EVERYONE can greatly benefit from a spending (and savings) plan. Learn More: https://www.premierspendingplanners.com.au//having-the-rig

13.01.2022 THE POWERFUL IMPACT OF COMPOUNDING INTEREST ON ACCUMULATING WEALTH Did you know that if you put away $100/week in a bank account earning 2% interest, from the moment you started work at 18 until you reached the age of 63, you would have $379,018** after 45 years? And you don't need to do any hard work for that money, just be diligent in putting it aside out of your pay before you spend anything! And if you didn't start doing so until you were 28, but then decided to put asid...e $150/week. earning the same 2% interest, you would have $394,906 saved after 35 years! Low interest rates won't be here forever - if rates increased to 4%, that $150/week may well be worth $593,925** in 35 years time! Could YOU find an extra $100 in order to have an additional $379,018 accumulated in 45 years time? If not, you need to come and have a chat with Premier Spending Planners, as most of our clients have improved their finances by far more than an additional $100/week! In fact, who said you need to wait until your 60's to retire? You may well be able to retire much earlier if you are savvy enough to religiously set aside that $100 - $150/week when in your 20's or early 30's. Take a look at the Compounding Interest calculator on the MoneySmart.gov.au website to see how much YOU could save in the years between now and your retirement, and then you are most welcome to give me a call to chat about how to reach the goal you would like to set for yourself!! Alternatively, you can book a consultation via my website www.premierspendingplanners.com.au. **These amounts are in addition to the compulsory contributions made to your Superannuation account by your employer.

07.01.2022 **Please Share** After Christmas, it isn’t only the overconsumption of food and beverages that we need to recover from. Quite often it can be the over-indulgence of Christmas spending that causes us headaches. Whether it was spending too much on presents, or the extra trips away that cause us to feel the financial pinch, Premier Spending Planners has the tools to help. Here, we have compiled a list of simple ways to help you rebound from your Christmas spending splurge.... https://www.premierspendingplanners.com.au//recovering-fro

04.01.2022 Schools have let us down in educating us in how to successfully manage our money, so Spending Planners (who genuinely care about seeing people succeed with their money) have filled that gap, and are creating a new generation of money savvy people who are now rapidly achieving their money goals!!

03.01.2022 THE BIGGEST HURDLE people usually have to overcome when it comes to spending less than they earn, ISN'T related to the amount their expenses cost. It is their MONEY MINDSET. People think they deserve nice things because they work hard and make good money. But they don't really own any of those things, so they often feel chained to the bills that came in every month. Once we understand we are actually becoming slaves to our expenses, and ignore our ego telling us we have t...o compete with all our friends to have the best of everything, we begin to realise that we can still have an amazing life even if we don't have the best of everything, and we find that cutting our exorbitant monthly expenses becomes much easier. Premier Spending Planners show people how to successfully change their money mindset, with minimal disruption. Being able to see with our future forecasting software how making changes to spending habits can have such a positive effect on our cashflow within only a few short weeks, has an amazing positive snowball effect. Within a few short months of working with Premier Spending Planners, your financial life can be totally transformed!!