“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

“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 S, Brisbane, QLD

“Our Spending Planner 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-judgmental and has a heart for people.”  Krystle & Jason

“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 ‘Spending Plan’ and bang, it’s all there in front of you. Bloody beauty mate.” Harley and Sue

“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 J, Karama, NT