“I was prompted to investigate how a spending planner consultant could help me when I became sick of not knowing where my money was going and wondering whether I’d have the funds to cover bills when they are due. I also wanted to feel in control of my finances and work towards my savings goals. I wasn’t worried or sceptical about working with Marlene. I had recommendations from a friend whose spending plan I had seen, so I knew it worked. The only worrying thing was having to write down all my living costs in the initial meetings – confronting once you see it all written down!

I felt good working together with Marlene. She is non-judgmental and able to answer any questions as they arise. As a result, I now have control over my finances, peace of mind, less financial stress and the ability to plan for the future. I feel empowered to live my life with the security of knowing that my bills and expenses are sorted.

I would recommend Marlene’s spending planner services to others. I am not making more money and yet I feel like I’m getting more from each pay cheque by knowing where all my money is going. It’s great that I have also managed to save for holidays and other fun things along the way.”

Megan

“When I first approached Marlene, my husband and I had been dealing with a great amount of debt and managing our money was painful and there was not a great deal of joy in my household to be honest. I think I knew that working with Marlene would benefit us a great deal but I didn’t want to spend money when money was already tight!

I’m glad I decided to invest in Marlene’s program. I can now confidently say I know how to manage my money. I am never late paying bills. I have enough money to cover all our expenses. We have been able to start saving money for holidays.

Working with Marlene is such a pleasant experience; she is caring and encouraging and my spending plan has been a godsend! I feel safe around money, I am no longer worrying and staying up late at night because of money issues. There are no fights about money at home and my mindset around money and abundance in general has improved!

I have absolutely no hesitation in recommending Marlene’s services. Everyone should have a system like this in place and someone to help them get back on track with their financial goals! It’s not a budget, it’s a way of living!”

Angela

“When I contacted Marlene, my personal finances seemed really messy. I felt I had a lot of accounts and didn’t seem to have any order or plan as to how money was managed. It was a lot of background silent worry.

I was worried that Marlene would not be able to understand the way I thought about money, let alone help me sort it out. I also felt my life and responsibilities were too complicated to put into any sort of order that meant I wouldn’t worry and actually pay my bills and save money. I also worried that too much discipline would be required.

Now that I have my spending plan, I worry less, I know my bills will be paid, I have a clear idea of what my business needs to pay me to meet my bills and savings goals and I am looking at my business spending and income goals more closely.  I also am making great progress in reducing a credit card debt without feeling like it’s never going to end. I am organised in my personal finances, can spend without guilt, and my bills no longer overwhelm me.

It’s been great working with Marlene. She seems to have the wisdom of the ages behind her!  Marlene is understanding but firm and she keeps encouraging me to make small steps where big change is required. I think Marlene’s service is important to all people who are moving into small business. It’s one thing to get your business making money but it really means nothing if you don’t understand and manage your personal finances.”

Shalini

“I had just separated from my husband and my debts exceeded my income when I first spoke to Marlene. I wanted to be in a position where I wasn’t struggling to make ends meet. At first, I was sceptical that working with Marlene would be effective. I was worried that I would lose my home or that my situation would get worse.

As a result of Marlene’s coaching I am now debt free and living within my means! I have improved foresight into my future needs which helps me plan better. I am also more relaxed because my money stress has almost disappeared!

Marlene is amazing. She has a beautiful nature and she is pleasantly encouraging to keep you on track. Would I recommend Marlene’s services? Yes, yes, yes; a thousand times yes. I am not a methodical person. I’m more of a “wing it and see” kind of person and a tad impulsive! But the simple spending planner system helps me know where I am at without having to spend much time on it at all.”

Rebecca