Welcome to Spending Made Easy, the podcast and radio show that helps you take the stress out of money and feel confident with your finances. In this episode, Ron Fiedler and budgeting expert Samantha Boardman explore a powerful mindset shift: why the word “budget” makes us feel restricted and why a spending plan is the key to financial freedom.

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.