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25.01.2022 There are at least three basic human needs. Food, Shelter and Clothing and many would add Companionship to that list as well. Food is usually readily available and quite affordable. Clothing can be expensive if you let it, but there are certainly economical options available. Potential companionship is all around us and it is usually free, although it can come with some substantial non-financial costs. Shelter, somewhere to live, is one of the biggest expenses most people enc...ounter. House prices have always made it that home ownership requires a concerted and deliberate effort to achieve, but is home ownership worth it? Choosing to make the commitment to purchasing a home, or deciding it is better to rent is something that often comes up for debate. In today's episode of the 'Succeed With Money' podcast David and Carolyn explore the pros and cons that might influence your decision either way so they can maybe help you answer the question; is it better to buy a house or rent one?

23.01.2022 If money stress is painful, why do people go into debt? Is there something attractive about debt that lures us out of our safe place and into the perils of owing someone else money? Obviously there is or we would not go there! If I were to tell you that debt was only a problem if it was bad debt, would you start to wonder what planet I was from? How could debt possibly be good? Today in the Succeed With Money podcast David and Carolyn are looking at the difference between good debt and bad debt and how we can all make better debt choices.

23.01.2022 The Six Expense Types - Part 5 - Today I'm continuing the mini-series on the six different common expense types. If you missed the first four, they are: Weekly Living Expenses Predictable, Non-Weekly Repeating Expenses Product Purchases... Repairing Things Today we look at number five replacing the essential items you simply can't do without. This includes white goods, motor vehicles, furniture, computers and any other items you rely on in living your life. It also includes items that you have just for fun if you can afford to include them. Read more ... https://spendingplanning.com//part-5-replacing-the-stuff-y

23.01.2022 In a normal year, I would be saying Can you believe it, it’s December already but this year is different! I think many people would be saying Thank God, it’s December finally! However, December marks the beginning of THE most treacherous 3 months of the year when it comes to money. It started with the Black Friday/Cyber Monday sales and then next, the School Holidays start. That continues on through Christmas and New Year (which is a high-cost period for all and a low-inc...ome period for tradies). Back to School costs and Credit Card bills arrive in January and February often brings the rates bill for homeowners. It's a period that anyone who does not have a spending plan or a bottomless pit of money actually dreads! In this week’s episode of Succeed With Money, David and Carolyn discuss this annual phenomenon and talk about ways to avoid the pain that goes with it which makes this an episode not to be missed! https://spendingplanning.com//planning-ahead-this-christmas

23.01.2022 I decided to see if I could come up with the smallest number of expense types possible to identify every reason we spend money. So, I got it down to just six expense types! Over the next few weeks, I am going to reveal all six. My aim is not just to help you group your expenses into categories. I also want to show you how to manage these expenses in the best way possible for you. Your Spending Planner can help you create a spending plan that works for your household, so you have enough money for all the things you need and love, without going over your spending limits. To start, we'll look at the things you spend money on every single week. To read more go to - https://spendingplanning.com//part-1-managing-your-weekly-

22.01.2022 The Six Types of Expenses - Part 3 How To Budget for Product Purchases Over the last two posts, I've covered the most basic living expenses we all encounter. In total there are six common expense types we all need to deal with in life. Today we look at number three, one most people consider to be the most exciting: Product Purchases - read more ... https://spendingplanning.com//part-3-how-to-budget-for-pro

20.01.2022 The Six Expense Types - Part 6 - How to Afford the Big Things If you missed the first five instalments, they are: 1: Weekly Expenses 2: Non-Weekly Repeating Predictable Expenses... 3: Product Purchases 4: Repairing Things 5: Replacing Things Here is the final expense type: 6. Major ‘Once In A Lifetime' Occurrences. These fall into two groups: Larger Life Goals & Unpredictable larger expenses. To read more ... https://spendingplanning.com/part-6-how-to-afford-the-big-t

16.01.2022 One of the basic needs all humans have is shelter. Owning your own home is the ultimate form of shelter so when I recently met Lindsey Galloway, who calls herself a 'New Property Concierge' I was interested to find out all about what that is, and how a New Property Concierge helps people to get into their first home faster. In today's podcast, David interviews Lindsey to find out all about what she does.

13.01.2022 You’re lying on your deathbed looking back at your life. Your fairy godmother appears and says I’m going to let you go back and change what you spent your time on. Would you get all excited and revel at the opportunity to make changes or would you say Ah no, it’s OK. I’m really happy with how I spent my time! Thanks but no thanks? I think most people would want to make changes! This week David and Carolyn look at the life journey and the kind of things we all should be learning along the way. Every decade has its own pleasures and challenges that we need to embrace. It’s a really interesting topic. which makes this an episode not to be missed!

13.01.2022 Read the paper or watch the TV news on any day of any week and you will hear stories of people in money stress. This is especially true right now. There is a professional vacuum in this country leaving people financially ship-wrecked and in pain. Over 60% of Australian’s admit to feeling stressed over money and nearly 7 million can’t sleep at night because of financial concerns. It’s common for families to be leaking up to $12k a year without knowing where it goes.... Spending Planners teach the average middle-income Australian family how to take control of their day to day finances, to be financially savvy, spend better, save better and have a better future.

11.01.2022 Check out our weekly podcasts that are released every Friday to help you Succeed with Money! https://spendingplanning.com/podcast

08.01.2022 The Six Types of Expenses - Part 4 - Repairing the Stuff you can't Live Without Today we continue with the 6 Reasons We Spend Money series, where we look at the common expense types we all run into. Today we look at common expense type number four: Repairing the items that support your life. No matter how lucky you are, sooner or later you will have to pay for repairs to something you rely on: White goods, motor vehicles, even your own body. Read more ... https://spendingplanning.com//part-4-repairing-the-stuff-y

08.01.2022 The Six Types of Expenses - Part 2 Repeating Predictable Expenses - (Otherwise known as ‘Bills'!) These kinds of expenses can be challenging for many of us. They can feel overwhelming, and at times it can feel like we don't know where the money is going. The good news is that these expenses are regular and predictable, making it easy to build a budget plan around them. In this article, I'll show you how to do that. Read more .... https://spendingplanning.com//part-2-repeating-predictable

06.01.2022 https://spendingplanning.com//blockages-to-success-with-mo

04.01.2022 From money stress to money success, we help you gain control of your finances, helping you save for your dreams or get out of debt, visit spendingplanning.com to find a spending planner and get started today.

03.01.2022 At the end of last week’s episode of ‘Succeed With Money’ David and Carolyn presented two opposing principles for how to raise your kids. One was to give them everything they want, and the other was to give them nothing but to encourage them to work for the things that they want. In this week’s episode we look at the responses that came in from our listeners on these two ideas and discuss the pros and cons. The podcast concludes with a simple principle relating to chickens and butterflies... which makes this an episode not to be missed!

02.01.2022 The family you are born into can give you an advantage or a disadvantage when it comes to your financial journey, but, when you boil it all down, we all have the opportunity and the responsibility to learn to manage money well and create wealth in our lifetime. If you do not make it your mission to learn financial principles, you will never be without money stress and you will very easily fall into the debt cycle that has so many people trapped. In this episode of Succeed With Money Podcast David and Carolyn look at the problem with modern money management . which makes this week’s episode one not to be missed.