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.

In this episode of Spending Made Easy, Ron Fiedler sits down with budgeting expert Samantha Boardman to explore the crucial topic of distinguishing between wants and needs.

Sam explains that "needs" are the basics essential for survival—food, shelter, and water—while "wants" are non-essential items like the latest gadgets or extra shoes.

Sam suggests that the key to managing finances is shifting your mindset, rethinking how you categorise these purchases, and considering whether something is a genuine need or just a passing desire.

As we move further into the conversation, Sam offers practical advice for balancing indulgences with responsible budgeting.

By setting aside a fixed amount each week—whether it’s $20 or $100—listeners can enjoy the occasional treat without derailing their financial goals.

The idea is to plan for these wants, rather than impulse-buying, ensuring your spending aligns with your overall financial strategy. Sam encourages listeners to consider how future-proofing your financial plans can make space for small indulgences without neglecting essentials.

Here are short chapter summaries for the podcast episode on "Wants vs Needs," with one-line explanations and time stamps:

Chapter Summaries

Defining 'Wants' and 'Needs'(02:31 - 06:00)

Clarification of the key differences between essential needs and discretionary wants.

- Why It’s Important to Know the Difference (06:01 - 09:00)

Explaining how understanding the difference can help with budgeting and financial freedom.

- Strategies for Managing Wants in Your Budget (09:01 - 13:00)

Practical advice for balancing non-essential desires within a responsible financial plan.

- Real-Life Examples of Wants vs Needs (13:01 - 17:00)

Examples of everyday spending decisions illustrate the difference between wants and needs.

Overcoming Emotional Spending (17:01 - 21:00)

Discussing how emotions can influence our spending choices and tips for staying disciplined.

Host and Producer: Ron Fielder

Web: podcastcity.com.au

Email: ron@podcastcity.com.au

Mobile: ‭0491 633 320‬

Co-Host: Samantha Boardman

Web: spendingmadeeasy.com.au

Email: hello@spendingmadeeasy.com.au

Mobile: 0404 468 525

In this episode of Spending Made Easy, Ron Fiedler had the pleasure of welcoming Samantha Boardman, the founder of Spending Made Easy, back to the show.

Our focus today was on celebrating success stories—real-life examples of how effective budgeting and mindful spending have transformed lives.

Samantha shared some of her favourite success stories, starting with a long-term client named Paula.

After transitioning from another budgeting organization that charged her $20,000 in fees, Paula embraced the DIY approach offered by Spending Made Easy.

With just six months of support and guidance, she became empowered to manage her own spending plan.

The results were remarkable: Paula upgraded her car, installed solar panels, renovated her house, and even started her own business. This story exemplifies the long-term impact of adopting effective spending habits.

We also discussed the common traits among successful clients, highlighting the importance of being open to new ideas and recognising that there may be better methods than their current practices.

Samantha emphasised that the Spending Made Easy tool is a game changer, allowing clients to project their financial future and make informed decisions.

Another inspiring story came from a recent client who, as a single mother of three, initially felt overwhelmed and considered taking on a second job.

However, after following the spending plan, she discovered she didn't need the extra income and instead found herself in a position to pay off her mortgage faster.

This client expressed her joy at being able to manage her finances effectively for the first time, breaking free from the cycle of debt that often plagued her during the holiday season.

Throughout our conversation, we touched on the diverse clientele that Samantha serves, from single parents to high-income earners, and even pensioners.

We discussed how the spending plan can be tailored to meet the needs of various demographics, including young people just starting their financial journeys.

Samantha shared a heartwarming story of a mother who gifted her daughter a spending plan as a wedding present, illustrating the value of financial literacy from an early age.

As we wrapped up the episode, I was reminded of the profound impact that a well-structured spending plan can have on mental health and overall well-being. Samantha's insights reinforced the idea that taking control of one's finances is not just about numbers; it's about empowering individuals to live their best lives.

If you're interested in learning more about how to take control of your spending, I encourage you to reach out to Samantha Boardman at Spending Made Easy.

You can contact her at 0404 468 525 or visit spendingmadeeasy.com.au for more information.

Remember, every big change starts with a small step, so don't hesitate to take that first step towards better financial habits. Thank you for tuning in, and I look forward to our next episode!

Chapter Summaries

00:01:35 - Celebrating Success Stories

00:02:02 - Paula's Transformation

00:03:13 - Why Clients Stay with Spending Made Easy

00:03:59 - Common Traits of Successful Clients

00:05:13 - Another Inspiring Success Story

00:06:27 - Breaking the Cycle of Debt

00:08:03 - The Impact of Mindful Spending

00:09:44 - Spending Plans for All Walks of Life

00:11:30 - The Importance of Professional Guidance

00:12:44 - Budgeting for Pensioners and Young Adults

00:16:08 - Setting Up Young People for Financial Success

00:17:54 - Client Engagement and Support

00:20:02 - The Value of a Spending Plan

00:22:35 - Conclusion and Contact Information

Host and Producer: Ron Fielder

Web: podcastcity.com.au

Email: ron@podcastcity.com.au

Mobile: ‭0491 633 320‬

Co-Host: Samantha Boardman

Web: spendingmadeeasy.com.au

Email: hello@spendingmadeeasy.com.au

Mobile: 0404 468 525