No, this program is designed both for those that have both never done any budgeting before, right through to highly experienced budgeters. We have even worked with accountants, bookkeepers and financial planners because our system is so much more powerful than any other system you may have tried in the past. The only thing you need to bring to the program is your commitment to the process and an open mind.  You don't need to prepare anything about your current spending. You'll do that in the program itself.

We have designed this program to be very simple to implement.  Our clients range in ages from 19 to 77, with varying levels of technical expertise. If you have access to a computer or a full-size tablet, and an internet connection, you will be able to use the program. You are able to work at your own pace and follow the step-by-step instructions.  You will have questions, of course, and we will help you answer them through our Q&A webinars and also on our private facebook group for members.   If there is anything you're unsure about at any time please don't hesitate to let us know.

We want our clients to LOVE our program and be excited about their experience with Bright Spenders Self-paced program. We are so confident in our program (we KNOW that if you follow the program for 12 months you will be in a much stronger financial position), that if you don't like the program for any reason then we will refund your payment as long as you let us know within 30 days. Just email us at [email protected] to request a full refund.

This program works brilliantly for those on unpredictable incomes or business owners, and we give you instructions in the program on how to do this. The most important thing is you'll put your expenses in first so you can see how much income you need to be generating to balance your spending plan. Then you'll be able to put your best conservative projections for income in, and the times you expect to receive it, or not, and you'll get to see how long your current savings and incomes is going to last you and whether it will help you achieve your goals. It will give you the closest thing to a crystal ball view of your finances.

No, we don't offer or give financial advice because we are not financial planners or accountants. We will not offer you or sell you any financial products or financial advice. We will offer recommendations about your spending plan only.​If you are needing financial planning advice or advice on loans and other investment products, we can refer you on to other respected and qualified professionals.

Yes, of course. Your information is absolutely private and your own. We keep any details about your financial situation completely confidential. Bright Spenders guarantees the highest levels of security for your information, whether online or during any consultation and mentoring process.

No, this isn't necessary. The Bright Spenders Self-paced program is entirely online delivered.  You will receive all the modules and logins you need to create your customised Spending Plan. Should you choose to book in for any mentoring in the future  the wonders of modern technology mean that we can meet online via Zoom video conferencing from the comfort of your own home or office.  All you need is a laptop or mobile device and internet connection.

Think of this process as like doing a big spring clean. There might be a bit of dust and mess flying around while you're creating your spending plan, but once the dust settles you'll discover how tidy and organised your finances are and you'll feel wonderful.The learning and setting up part of the process will take a little time.  Basically if you devote half an hour a day for a week, or one weekend day you'll be able to gather the info you need. There are some videos to watch and some PDFs to download and read but none of these are too time consuming. Once your Spending Plan is set up (which may take you a week or so, or you might knock it over in a weekend) then we recommend taking just 10 to 20 mins a week to check in with your spending plan to make sure that you're on track and hitting your weekly targets.  In the beginning as you're learning the weekly check-in process it might take a little longer than this, but after a few weeks the process will get quicker and quicker. After the initial set up phase there is no need to keep receipts or track expenses unless you need to do this for tax purposes. You'll find that this system takes you much less time than any other system of managing your finances and gives you much greater visibility and control.

We have many business clients who use our program very successfully for both their personal and business finances. The concepts in the self-paced program are common to both types of spending plan.  Business finances, however, are usually more complex than personal finances and we recommend that, once you have set up your personal spending plan, you get in touch.  We can then help you set up a business spending plan with one on one support from one of our experienced mentors. Any fees applicable for business spending plan mentoring should be fully tax deductible, but check this with your accountant.

Perhaps your situation is very unique and your not sure if this program will work.  Feel free to send us an email with your phone number to [email protected] and we'll give you a call to discuss your concerns.