Testimonials


Here's what customers say


She saved our family from financial ruin ...


“As a Certified Spending Planner I can highly recommend the Certification Training.

It encompasses training on aspects of running a successful business, teaching on the software and inspiring speakers.

David Wright, founder of the Spending Planners Institute, an inspiring speaker, will give you the tools and expertise required to move forward in your Spending Planner business.

My client testimonials, I believe, speak for themselves…

“I had a great budget but it always seemed to lack something that I couldn’t put my finger on.  When Carolyn introduced me to the Spending Plan I realised what was missing. I now have a plan that clearly shows me the future and a gps navigation system to get me there.”  Carolyn’s patience, time, and constant encouragement is highly valued by both myself and my wife.”

Tony & Joan

“Carolyn is fantastic. In short, she saved our family from financial ruin. She went above and beyond to guide us to making wise financial decisions. Carolyn is non-judgemental and has a heart for people.”

Krystle & Jason”

– Carolyn Moes, Brisbane, QLD

I wish I had discovered you years ago ...


“Being a Spending Planner is about the best way to live your vocational life.  Since graduating in April of 2016 from the Spending Planners Institute, I have had some wonderful experiences helping clients develop their own Spending Plans.  Listen to what Jacqui from New South Wales had to say:

“I look forward to working with you, achieving great results.  I wish I had discovered you years ago!  I was not sure what to expect when we had our first interview, but your professional and easy going nature had me realising pretty quickly that there was a manageable solution, and all I had to do was follow your recommendations of how to balance all finances out and quickly get into addressing any debt that was pulling me backwards.  Having taken a huge salary drop, you made me realise fairly quickly, it is all about learning to manage what you have first, regardless of the amount.  Simple steps, broken down, made it all appear much more doable and I couldn’t wait to get started.  Within a couple of sessions we had a clear and realistic plan to get back on top of things and that feeling is priceless  … You have been absolutely fantastic getting things sorted and a complete pleaser and fun to work with.  Thanks for your patience.  I know our results will be great.  Thanks for your focus.  Thanks again for your amazing help and coaching and getting things sorted.”

With feedback like this, the whole experience of being a Spending Planner is such a buzz.  I know it is exactly what I want to do for the rest of my vocational life.  Hey, I am 60 this year.  What other way could you start a whole new career at the time when others are thinking about putting their feet up and opting out.  No way!  I love the Spending Planner lifestyle.

– Dr Lance Alan Box, PhD (Education), CSP

Isn't it just great to reduce that debt?


“Your budget system has changed our lives …. Just completely for the better! We now don’t spend our money on crap but also know where it’s going and we know how much we need to survive ! The last time we spoke I think my partner needed to earn $1500 and myself $750 … To live …. Well now … He only needs to earn $1000 and myself $600 ! Isn’t it just great to reduce that debt… I have paid off my personal loans I had and only have $7k left on the $18k loan we had for Chris my partner. Have also paid out credit card and only now have $2k to pay off go MasterCard (and we have 10k worth of savings ) we have purchased secondhand older cars that are terrific and downsized … best of all my partner is now home and no more FIFO!”

– Hayley Summers, Pomona, QLD

Your program is the only thing that worked for me ....


“8 months ago I owed $4,200 on credit cards. I was at least one month behind on the Telstra bill and we never ever paid our rates on time. After your program, we have paid off our credit cards. We have just paid off the rates in full before the due date. Your program is the only thing that worked for me.”

– Mary Sweet, Brisbane, QLD

No more late fees or interest charges ....


“Well 2 years ago I had personal loan of $7,500 I was struggling to pay. I was 2 months behind in my rates and credit card payments. Then I discovered your program so no more late fees or interest charges on the credit card cause it’s one day late. Keep up the good work.”

– Annette Wisnewski, Mackay, QLD

We were living from pay to pay ...


“18 months ago something had to be done. We were living from pay to pay and we had a $9,200 credit card debt. Now I’ve paid all credit card debt and have savings of $10,000.”

– Tamson Mayo, Norfolk Island

This program will turn your financial state around ...


“I have struggled to pay off all my debts to the point I would max out a $25,000 credit card. I have done this 3 times. Your program showed where to find the money within my current wages to pay that debt off. This program will turn your financial state around.”

– Robert Jackson, Karama, NT

We know exactly where our finances are now and for the future ...


“Some feedback on your program I purchased about 15 months ago. Well mate it is the best bloody thing since sliced bread. Every cent that comes and goes through this household goes through your program, and at ALL times we know exactly where our finances are now and for the future. Once a fortnight we just dial up the ‘Budget Worksheet’ and bang, it’s all there in front of you. Bloody beauty mate.”

– Harley and Sue

Here's what customers say


Like having a finance ``map of the future`` ...


“Well what can we say about the package so far? Excellent. Your program does what it says. After many years of budgeting in the past and wondering where the money went we can now plan accurately for the future and know, in advance, where it will be going and most importantly what is going where. Your program makes you aware of your financial future like having a finance “map of the future” to plan and make informed spending decisions before they arise.”

– Malcolm

A very healthy surplus each month ....


“I’ve been using the program for just on 12 months now and cannot believe the tremendous difference it has made to our finances. It’s helped bring our finances under control and given us a very healthy surplus each month. As a result of the plan, we were able to buy a new car within the 1st year of using the program.”

– Sasha

Things are looking good thanks to your wonderful package ...


“Just a note to say thank you …….. everything is crystal clear to me now. I am very pleased to say that things are looking good – thanks to your wonderful package. We’re not quite ready to pack in our day jobs  – but you never know…Thanks again.”

– Vivien

We have left behind us the debt and stress ...


“I would like to say a big thank you to you personally as your program has been a total life changing experience for us. We have left behind us the debt and stress.”

– Kyra Potts

The best investment I have made this year ...


“I would like you to know that I am $400 better off since I purchased your program 6 weeks ago. I am still trying to figure out where the money came from and how much have I wasted in the past?

For the doubters out there who are wondering if the program is worth it, I say “Spend the money, now”. You won’t regret it. Like me, you will find money you never knew existed. This is the best investment I have made this year.”

– John Kirk

Thank you for saving our finances and relationship ...


“Thanks so much for the (personal budget) software, I’ve finally taught my partner how important it is to look forward in our budget! When he saw that unless we stopped spending so freely now we’d be in hundreds of dollars of debt by Christmas his jaw dropped to the floor! It was the only way I could get him to realise how important it is to budget and put money away for emergencies (which I’ve done my whole wage-earning life, and have been trying to convince him for years!).

So thank you for saving our finances and relationship!!! Thanks once again!”

– Keely

Thank you for your wonderful support ...


“We just wanted to let you know that we have had your book for almost a year and through all your emails and encouraging words we have finally loaded it on to our computer and have finished putting all our expenses on a printed copy and loaded it all on the Computer. Thank you for your wonderful support and encouragement. It was a really big eye opener for us as we have a high joint income and we didn’t know where our money was going.”

– Andrew & Tracey Pearson

Changed our financial capability in such a positive way ...


“I am pleased to say that this programme is not only easy to use once you have the hang of it but will drastically reduce the time you spend calculating your budget and any financial projections you might do. It will accurately calculate your credit card statement, your loan repayments, your expenditure and your income as well as performing a myriad of other financially based calculations that would usually take you some time.

I would go to the point of saying that it has changed our financial capability in such a positive way. I can now accurately determine whether we can purchase something or not. We are now in a position where we don’t run out of money in the middle of a pay period. We have a positive outlook for the future – not because we are earning any more money – in fact it is just the opposite, our income has been halved as I am not currently working (renovating instead) but bills still have to be paid and as a family you need to live.

I can say this program does work and it has drastically changed the way we view our financial ability.”

– Nathalie Jaxon

Here's what customers say


Amazing to feel confident when a bill comes in ....


“I just wanted to tell you how really wonderful I think your program is. My husband and I have been able to save money for the first time in our lives. We have set up many different accounts,

Such as: a new car a/c, a Christmas a/c, a cumulative savings a/c, a Colonial Managed Funds a/c and my favourite one is our Hawaii a/c! As my name is Hawaiian, it has been my childhood dream and goal to go to Hawaii. When I turned 21, I made it my ambition to do this before I turned 30. Well, it is less than 2 years now before the big 3-0, and I am extremely excited to say to you that, because of  your program, we have nearly $700 in our Hawaii account! This is truly amazing for us to have money saved in an account, let alone 5 accounts! And this has only happened in 5 months! This may not seem very much to most people, but when you consider that I only work 15 hours a week and we have 2 young children at home, this is a wonderful achievement and milestone in our lives.

I am the one in our family who looks after our money, and because I had no real focus with our finances, I used to go to the shops everyday, and spend little bits here and there on things that we didn’t really need. It is so amazing when you work out how much these little purchases add up to over a year! Now that I have our (household) budget in black and white in front of me, I am really focused with our money and so organised with our bills. It is amazing to feel confident when a bill comes in, to know that the money is sitting in your account ready to pay it! I cannot thank you enough for the financial freedom you have given my family and me.

I have been highly recommending your program to everyone I know and I look forward to reading the book I have just ordered from your bookstore, to learn more about saving money and using it wisely!”

– Leilani Jones

Saved enough in 12 months to take my kids on a dream holiday ...


“I would like to THANK YOU in the biggest way for your help. I am single mother of three with very little financial assistance other than working very hard in my own business. Through your program I have learnt how to manage my money better and have managed to save enough in the last 12 months to take my kids on a dream holiday. All 4 of us spent four weeks holidaying in Queensland and NSW (including the Gold Coast Theme parks) having the time of our lives. After a tense year it was what we needed to take time out as a happy family and renew our faith that ‘hard work pays off’. And it does indeed!”

– Jennie, Adelaide, SA

The luxury of staying home to raise our two children ....


“Just a quick message to say that I have finally sorted out my finances. There was no way of doing this without the help of your program. My husband and I went from a double income no kids scenario to a one income plus two children reality! We were convinced that I would have to go back to work just so we could make ends meet. I didn’t want to put my children in day-care especially my new baby but we couldn’t see another way around it. My husband and I saw your software program on one of the current affairs programs, and thought, why not give it a go!

Well I am pleased to say that working out our finances with your software I now have the luxury of staying home to raise our two children, for at least the next ten years if I wish to!!! Just seeing our finances clearly in black and white made us sit up and really take notice of the things we wanted out of life. I just thought I would email our gratitude to you because you have now afforded me the luxury of raising my two children (with a stay at home mother by choice) and not someone else by putting them into ten hour a day day-care.”

– Cindy Durnan

I now know how much I can realistically put away ...


“I wanted to thank you for the program. For the last few years I thought I had plenty of money to put away into my savings but then I couldn’t understand why every month or so I would need to spend those “savings” on bills! After using your software I now know how much I can realistically put away into my savings account and what is really needed for my day to day expenses. My husband and I are planning on having a baby this year and without your help we never would have gained the knowledge that has allowed us to save for the arrival of our first child.”

– Karen Feibig

Two weeks and already I am financially better off ...


“I am very happy with the program. I am finally able to see my financial future and make appropriate plans. I have only been using it for two weeks and already I am financially better off (approx. $500). Being able to set goals and watch them become a reality is fantastic.”

– Conrad Scott

A simple but powerful concept ...


“I’ve only had your program for about a week, and already I feel like I’m in more control of my finances. A simple but powerful concept, wish I’d thought of it. Well done! It’s great being able to easily “look into the future”. Much better than using Money or Quicken.”

– J.S.

Managed to clear all debt ... and well on our way to a deposit for our first home!


“I recently bought your program and cannot thank you enough, for it has changed my life.

I am (or was!) your typical young male whose wage burnt a hole in his pocket each week. On top of this I had various debts for cars, credit cards etc. totalling almost $15,000. By using your program and some good financial advice though, I have managed to turn my life around.

My girlfriend and I have managed to clear all debt, and are well on our way to a deposit for our first home! It is an amazing advantage to be able to scroll through our statement in advance to see when we will have enough money. We have also realised that with some discipline we will even be able to cover all fees & charges leaving “the first home owner’s grant” to spend on us!

Your program has really helped us to prioritize our spending habits and cut out any unnecessary costs we used to have because the money was just there.

This program has helped us so much that now the rest of my family is getting in on the action. I even caught my dad having a go the other night!!

Again I thank you and hope that perhaps this positive feedback might help others realise what a fantastic program it can be.”

– Max Ainscough, Noosa, QLD

Super excited about sitting down together as a family and planning our next 15 years ...


“I would just like to say that it was an absolute pleasure to meet you last night in Melbourne. Tracey and I are delighted with what we learnt from the night. Already today I have been onto your web site. I am spending the rest of today putting together our (household) budget for the future.

Our background is in the transport industry and we have built a very successful business over the past 10 years. I am embarrassed about the fact that I have never once done a budget for ourselves or for our company. Building the business to its current size of a million dollar plus turnover and employing eighteen people has never been easy and all our decisions were based on gut feelings. I would never ever suggest anybody else do this. Building the business would have been so much safer, easier and quicker with your program. I can’t change the past but I can learn from it and I guarantee I will never do it that way again.

Today is also our 15th wedding anniversary and we see today as a chance to reflect on our lives together so far, but more importantly we are super excited about sitting down together as a family and planning our next 15 years and the next 15 and the next 15. The financial planning part of our lives will be so much easier to do with the help of your program and we can’t thank you and your family enough. We know (gut feel) that your program will, over time, impact on the lives of millions of people around the world for generation after generation.”

– Darren

Here's what customers say


Helped us plan financially and mentally for the future and beyond ...


“Just a just a little feedback, if it wasn’t for your program, we would have never realised what was needed to be done to get our (personal) finances on track. It really opened our eyes and with wanting to start a family soon it has helped us plan financially and mentally for the future and beyond. We really can’t thank you enough. Keep up the good work.”

– Paul Cox

Your program has been invaluable ...


“I (began) your program in August 2003 and I have to say it is a wonderful budgeting tool. We arrived in Australia from the UK in September 2002 and have had to readjust to the Aussie way of putting all bills on a credit card and paying it off at the end of the month. We were debt free in the UK (except for our mortgage) and very rarely used our one and only credit card. As UK banks don’t have high banking transaction charges in the same way Australian banks do, we previously paid all our bills by monthly direct debits. We were quickly told by our financial advisor that this would “sap us dry” in Australia so we had to totally change our budgeting mindset. Your program has been invaluable in helping us adjust to the rolling debt a credit card carries even if you pay it off in full every month. So a big thank you!”

– Jannette

After today I can see through the fog ...


“I have received my program today and have done our personal budget. I must thank you for sharing this wonderful product with me. We were finding it hard to juggle all our bills, living from one pay to the other, things were a mess financially. But after today I can see through the fog. Things weren’t as bad as I thought. With some discipline and tightening the ropes for a short time we can easily get on top of things and then be quite comfortable. I was very excited to see this. Thank you so very much.”

– Kayleen

Love your work, love your newsletters and love your advice!!


“I purchased the program in 2002 and didn’t do anything with it as my husband is an accountant and wouldn’t look at it, so it sat for one whole year, then one day I was cleaning out the cupboard and loaded the disc and set up all the accounts and year-to-date things and nearly fell off the chair, we were in so much trouble.

So I phoned David and he walked and talked me throughout the whole mess at hand, slowly slowly I explained this to my accountant husband and that about six months later I phoned David again to straighten out some figures and then typed out the reports in Budget-by-Year and Budget-by-Month. And then stuck them on the fridge and walked around it for about 2 days, tidied up things and once I had it fine tuned I then showed my husband, who was most impressed with all the details and the year-to-date things and then for me to even be able to come up with this, (as I’m the spender not the earner, nor the accountant.)

So now we are on track, thanks to David’s hard work and patience. We (husband and myself) will be at the Perth Seminar to get the full benefits out of all that David has to say. Love your work, love your newsletters and love your advice. Keep up the good work.”

– Lynette Fiscalini-Ball, Perth, WA

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