Spending Made Easy with Samantha Boardman on Podcast City Radio

Christmas is meant to be joyful, generous, and full of connection — yet for many people, it leaves behind a heavy financial hangover that can linger well into the new year. In this episode of Spending Made Easy, Ron Fiedler is joined by resident spending planner Samantha Boardman to explore why Christmas continues to catch people out financially, even when we know it’s coming. Together, they unpack the emotional side of money — the pressure, the regret, and the shame that often follow festive overspending, and explain why this cycle repeats year after year. Importantly, they challenge the idea that the problem is a lack of discipline, revealing instead that it’s often a lack of planning and clarity. Listeners are guided through what to do when that first bank statement arrives and panic sets in. Sam explains how spending plans, not budgets, can transform financial stress into calm, control, and confidence, without restriction or guilt. This episode is for anyone who wants this year to feel different. Whether you’re feeling overwhelmed, stuck, or simply ready to take control of your money, this conversation offers practical steps, reassurance, and hope. Resident Expert: Samantha Boardman Samantha Boardman is a professional Spending Planner and the founder of Spending Made Easy, a practical and compassionate approach to money that helps people feel calm, confident, and in control of their finances without guilt, restriction, or punishment. With years of experience working one-on-one with individuals, couples, and families, Samantha specialises in helping people break the cycle of financial stress, particularly around recurring pressure points such as Christmas, birthdays, annual bills, and everyday living costs. Her work is grounded in real life — recognising that money is emotional, personal, and often overwhelming, especially in today’s economic climate. Unlike traditional budgeting methods, Samantha teaches spending plans, not budgets. Her philosophy is simple but powerful: people don’t fail at money — money systems fail people. By creating clear, realistic spending plans that reflect how people actually live, Samantha helps her clients uncover hidden surplus, reduce anxiety, and build long-term financial confidence. Samantha is also the author of a practical, real-world book on spending planning, where she shares her personal experiences, professional insights, and proven strategies for managing money without deprivation. In the book, she openly discusses how planning ahead — even with small, consistent steps — can completely change the way people experience money, special occasions, and life milestones. Her writing reflects the same supportive, judgment-free approach she brings to her client work. As the fortnightly resident expert on Spending Made Easy on Podcast City – Business & Lifestyle Network, Samantha regularly shares accessible money conversations, tools, and mindset shifts that empower listeners to take action — no matter where they’re starting from. She is passionate about removing shame from financial discussions and creating safe spaces where people can ask for help and move forward with clarity. Samantha also runs highly sought-after hands-on workshops, where participants are guided step-by-step through building their own spending plans in a supportive, welcoming environment. 🌐 Website: https://www.spendingmadeeasy.com.au 📅 Bookings & Callbacks: Available via the website 📘 Author: Spending Plan–focused personal finance book (referenced in episode) Host: Ron Fiedler Senior Managing Partner & Co-Founder, Podcast City Ron is a radio and podcast host, producer, and media mentor passionate about giving people a voice and creating conversations that educate, empower, and connect communities. 🌐 www.podcastcity.com.au Produced by: Podcast City – Business & Lifestyle Network 🌐 www.podcastcity.com.au Producer: Ron Fiedler

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, with hosts Ron Fiedler and Sam Boardman Samantha shares her expertise on how creating a personalised plan can reduce financial stress, empower individuals to take control of their money and align spending with future goals. From preparing for annual events like Christmas to managing unexpected expenses like car repairs, Samantha demonstrates how a spending plan provides clarity and confidence. Listeners will discover practical insights into scheduling payments, managing income frequencies, and planning for future expenses. Samantha also addresses common financial challenges, such as "waiting for payday" anxiety and money-related arguments in relationships. Whether you're single, part of a family, or managing a business, this episode is packed with actionable advice to make your money work for you. Transcript Summaries [1:12 - 2:00] Samantha discusses the emotional relief a spending plan provides, enabling people to manage their money without stress or overwhelm.[2:05 - 3:26] Samantha explains how a spending plan helps align income with expenses, covering wants, needs, and unexpected costs like car repairs.[4:30 - 5:50] The conversation dives into budgeting for special occasions, such as Christmas, to avoid financial strain during the festive season.[6:10 - 7:20] Samantha shares practical strategies for managing varying income frequencies and aligning spending habits with financial goals.[8:45 - 9:55] The duo explores how spending plans reduce conflicts over money in relationships by creating shared financial understanding. 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

Join us as we explore the world of budgeting with Samantha Boardman, the founder of Spending Made Easy. In this episode, we highlight how Spending Made Easy stands out from other budgeting tools and apps by empowering individuals to manage their finances independently. Samantha explains the importance of a spending plan that is separate from your bank account, ensuring that users can organise their finances securely without direct bank links. We also discuss the personalized support and guidance offered by the service, ensuring users never feel alone in their financial journey. Security is a top priority, with measures in place to keep your data encrypted and safe. Listen in as we discuss the versatile Spending Planner program, designed to cater to various financial needs with packages that range from six-month support plans to DIY options. Whether you have multiple bank accounts or are already proficient at budgeting, Spending Made Easy offers a seamless and efficient solution to financial planning. Samantha highlights the ongoing $20 monthly subscription that provides continuous access to the software and personal support, making financial management accessible and straightforward. This episode promises to provide valuable insights and practical tips to simplify your budgeting and spending plans. 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

Budgeting is Crap." Yes, you read that right. Samantha Boardman, the founder of Spending Made Easy, joins us to discuss her provocatively titled book. Despite the focus on budgeting, Samantha believes traditional methods are too restrictive and negative. Instead, she promotes the idea of a spending plan that offers a more positive and effective approach. She shares her journey with money management since childhood and how her innovative methods have helped clients revolutionsze their financial lives. Get ready for some life-altering budgeting tips straight from Samantha's book. We talk about actionable strategies for those restarting their financial journeys and hear a powerful story of transformation from one of her clients who overcame homelessness and addiction. Discover the incredible benefits of financial organisation, including better sleep, improved mood, and overall well-being. Samantha's real-life examples and practical advice will show you how easy it is to stay on track and course-correct, even in tough economic times. Don't miss this empowering and insightful conversation! Chapter Summaries (00:02) Budgeting Made Easy Samantha Boardman's book "Budgeting is Crap" challenges traditional budgeting and promotes a positive approach to creating a spending plan. (11:05) Life-Changing Budgeting Tips Budgeting is Crap provides actionable takeaways for financial success, with real-life examples and benefits for overall well-being. Book Link: https://mailchi.mp/1b695bd41560/book-free 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

Ever wondered if charging rent to your working teenagers could actually make them more financially responsible? Join us as Samantha Boardman, founder of Spending Made Easy, reveals her unique upbringing in a British household where contributing financially was non-negotiable. Samantha candidly shares the initial hurdles and invaluable lessons she gained about budgeting, prioritizing expenses, and preparing for adult financial obligations. Through her story, we get a deep dive into whether this practice is a crucial step in teaching teenagers the art of financial independence or if it might just be too burdensome. We also present various perspectives on this approach, featuring families who’ve creatively taught financial responsibility through nominal rent and spending plans. From juggling multiple jobs to saving rent money for future use, these stories highlight the importance of instilling financial discipline in young adults. Listen to how these strategies not only help manage current finances but also build a healthier mindset towards money. Whether you’re a parent contemplating this approach or a young adult navigating these challenges, this episode is packed with insights to guide you towards financial maturity and independence. Chapter Summaries (00:03) Teaching Responsibility Through Charging Rent British parents charge working teens rent to teach financial responsibility and independence. (09:42) Teaching Financial Responsibility Through Rent Multiple jobs and charging rent teach financial responsibility and increase income for a better lifestyle. (15:46) Financial Responsibility Through Spending Plans Teaching financial responsibility to young adults through charging nominal rent can lead to better financial mindset and independence. 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

Listen in as Samantha Boardman, founder of Spending Made Easy, joins us to unpack the transformative power of a spending plan over the often-dreaded "budget." Samantha and I discuss the psychology behind financial terminology and how a simple shift in language from "budget" to "spending plan" can foster a more proactive and enjoyable approach to managing money. With the cost of living on the rise and wages remaining stagnant, we explore practical strategies for not just meeting monthly expenses but potentially creating a surplus, all while nurturing a healthier financial mindset. Throughout our conversation, Samantha offers valuable insights on setting up a spending plan that accommodates fluctuating expenses and the benefits of separating finances into different accounts. We highlight the importance of flexibility and technology in maintaining financial health and even touch on how organised spending can simplify loan applications. The episode rounds off with a discussion on the annual DIY Financial Accountability Plan, which provides a structured yet supportive approach to personal and business financial management. Join us and learn how to make financial planning less about restriction and more about empowerment. Chapters Summary (00:02) Spending Made Easy Nature's impact on our finances and mindset, and how reframing our approach can lead to a positive experience. (09:55) Financial Planning for Personal Budgeting Managing fluctuating expenses with a spending plan, separate bank accounts, technology, and organized finances for loans. (15:21) Annual DIY Financial Accountability Plan Spending Made Easy offers monthly accountability calls and expands to help businesses implement spending plans. CREDITS Host: 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 Producer: Ron Fiedler Podcast City. Web: podcastcity.com.au Email: info@podcastcity.com.au Phone: 08 8121 4448

Just how often do we confuse our wants for needs? What are the basic essentials we overlook each day and how can we keep our desires from playing tricks with our financial obligations? We tackle these critical questions and more in this podcast episode, with the guidance of our esteemed guest, Samantha Boardman, the brains behind Spending Made Easy. Samantha walks us through the road less travelled, where we learn to appreciate the vital basics like a sound roof, clean water, food, and clothing. She also opens our eyes to the tricks our desires play on us, making us believe they are needs, and how this misconception often distorts our understanding of our financial responsibilities. In a world where advertising is the order of the day, do you ever stop to think about the role these agencies play in influencing your purchasing choices? Together with Samantha, we peel back the layers of the art of impulse buying and how to avoid falling into this trap. We delve deep into how advertisers tap into our emotions to manipulate our buying decisions, underlining the importance of independent research before making any purchase. This conversation offers valuable insights into the psychology of spending and provides tips on how to steer clear of buyer's remorse by making smarter buying decisions. Moving onto the nitty-gritty of financial planning, we examine how to differentiate between wants and needs when budgeting. Samantha graces us with her expertise yet again, offering practical strategies for categorizing purchases, saving for genuine needs, and making intelligent spending decisions. We also touch on the art of using vouchers and sales prices to our advantage. This episode is a goldmine for anyone looking to make major purchases or simply manage everyday spending more effectively. So, lend us your ears, and let's redefine how you view spending, one soundbite at a time. --------- EPISODE CHAPTERS WITH SHORT KEY POINTS --------- (0:00:03) - Distinguishing Wants vs. Needs in Budgeting Samantha Boardman helps us rethink our relationship with money by discussing budgeting, distinguishing wants from needs, and planning our money. (0:08:11) - Prioritizing Wants and Needs, Avoiding Impulse Buying We discuss wants vs. needs, budgeting, impulse buying, and advertising tactics to persuade. (0:15:25) - Wants and Needs in Financial Planning Distinguish between wants and needs, prioritize and save, use vouchers and take advantage of sales to make smart spending decisions. (0:22:49) - Spending Made Easy Podcast Interview Samantha Boardman helps us understand spending psychology, research purchases, and make better decisions.

Ever wondered why your paycheck seems to disappear so quickly? Samantha Bordman, founder of Spending Made Easy, is here to solve that mystery. She opens our eyes to the magic of smart budgeting and spending plans, starting from outgoings rather than income. By drawing on her experiences from both the UK and Australia, she illustrates how pay frequency significantly impacts our financial habits. As we journey into personal finance mastery, Samantha reveals the unsung benefits of spending plans. Creating financial stability, determining your rent budget, or even simply breaking free from living paycheck-to-paycheck; all can be achieved with the right spending plan. Throughout the episode, Samantha never fails to emphasize the power of the right mindset in maximising our hard-earned money. Living a fulfilling life without breaking the bank might sound like a dream, but Samantha assures us it's not an impossibility. Wrapping up the discussion, she stresses the importance of living within our means and setting realistic financial goals. From her personal experiences to practical tips, Samantha provides us with a roadmap to smart spending and financial stability. Tune in, and let's start making the most of our money with Spending Made Easy. --------- EPISODE CHAPTERS --------- (0:00:03) - Budgeting and Spending Made Easy Budgeting with an outgoings-first approach, understanding UK vs. Australian payment habits, and having the right mindset are discussed. (0:05:56) - Mastering Personal Finance We discuss budgeting, smart choices, Aldies, splitting supplies, and adjusting plans for life changes. (0:11:18) - The Benefits of a Spending Plan Starting a spending plan helps achieve financial goals, determine rent affordability, stay on top of bills, and set good habits. (0:23:35) - Living a Lifestyle Within Your Means Samantha Boardman discusses strategies for smart spending, splitting supplies, setting financial goals, and using a spending plan.

In this episode of Spending Made Easy, host Ron Fiedler and Samantha Boardman discuss the importance of having a spending plan, regardless of your occupation or stage of life. They explore how different professions, such as financial planners, law enforcement, and tradies, can benefit from a spending plan. They also highlight the value of a spending plan for young couples, retirees, and even radio hosts. Samantha shares success stories of clients who have used her spending plan system to improve their financial situations and achieve their goals. | **Timestamp** | **Summary** | | ------------- | ----------- | | 0:00:02 | Introduction to Samantha Boardman and Spending Made Easy | | 0:01:03 | Importance of having a spending plan | | 0:02:44 | Financial planners benefit from having a spending plan | | 0:04:16 | Law enforcement and ambulance workers benefit from a spending plan | | 0:05:53 | Even tradies and builders can benefit from a spending plan | | 0:07:57 | Example of a builder who needed a spending plan | | 0:09:50 | Importance of a spending plan for young couples, single parents, and retirees | | 0:11:24 | Example of a single mom on benefits who used a spending plan | | 0:13:13 | Importance of a spending plan for radio hosts and business owners | | 0:14:47 | The DIY plan is suitable for those who are good with budgeting | | 0:23:00 | How to contact Samantha Boardman for a spending plan | TimestampSummary 0:00:02 Introduction to Samantha Boardman and Spending Made Easy 0:01:03 Importance of having a spending plan 0:02:44 Financial planners benefit from having a spending plan 0:04:16 Law enforcement and ambulance workers benefit from a spending plan 0:05:53 Even tradies and builders can benefit from a spending plan 0:07:57 Example of a builder who needed a spending plan 0:09:50 Importance of a spending plan for young couples, single parents, and retirees 0:11:24 Example of a single mom on benefits who used a spending plan 0:13:13 Importance of a spending plan for radio hosts and business owners 0:14:47 The DIY plan is suitable for those who are good with budgeting0:23:00How to contact Samantha Boardman for a spending plan

Wondering why the 18-34 generation seems to be cutting back on everything from groceries to date nights? Today, we have Samantha Boardman, the mastermind behind Spending Made Easy, shedding light on this intriguing trend. Samantha takes us through how people are recalibrating their budgets and lifestyle choices in response to the increasingly challenging financial climate. From sharing frugal yet delicious meals that stretch every dollar, to planning for a little indulgence without breaking the budget, Samantha provides a fresh perspective on managing finances without making life dull. In the latter part of our riveting conversation, we delve into the effects of a significant percentage of people turning away from dating apps and the ensuing domino effect that might have on the dining and cinema industry. Samantha's insightful advice on how to differentiate between needs and wants, adjusting your financial plans in light of rising interest rates, and maintaining a financial buffer is a goldmine for anyone seeking to gain control over their spending. With soaring costs of living, this episode is a must for singles, families, and single parents alike - anyone who wishes to make smarter decisions about their spending habits. Tune in and equip yourself with the tools to navigate the ever-evolving world of budgeting with finesse. --------- EPISODE CHAPTERS --------- (0:00:03) - Budgeting and Cutting Back People are adapting their budgets to the current financial climate, learning to eat cheaply, budgeting for indulgences, and exploring cost-effective recipes. (0:13:54) - Dating App Usage and Budgeting Trends Cutting back on dating apps, budgeting strategies for interest rate hikes, and staying on top of money are discussed.

Ron from Podcast City Radio had an opportunity to speak with Samantha Boardman, founder of Spending Made Easy, our conversation took a poignant turn toward the pressing issue of homelessness. As we discussed her courageous act of spending a full night on a piece of cardboard to raise funds and awareness for the South Australian charity Food on the Table, we delved into the harsh realities faced by those who are homeless. We also addressed the government's shortcomings in providing effective solutions for this vulnerable population. Samantha and Ron also tackled the importance of giving back to those less fortunate, particularly in challenging times. With the decline in cash usage, charities now miss out on the once-abundant loose change that filled their donation tins. We explored the rise in the number of homeless individuals and the desperate need for temporary and permanent housing options. Samantha shared other ways to lend a helping hand, such as donating toiletries and taking the time to genuinely listen to a homeless person's story. As we wrapped up our conversation, we emphasized the significance of managing our finances and how minor adjustments can make a world of difference. Samantha highlighted the value of seeking help during financial difficulties, as well as the impact small acts of kindness can have on others' lives. If you're ready to take control of your spending while making a meaningful difference in the lives of others, be sure to listen to our enlightening chat with Samantha Boardman, and explore her services at Spending Made Easy. If you're interested in Sam's services, you can contact Samantha at 0404 468 525 or visit spendingmadeeasy.com.au. https://www.spendingmadeeasy.com.au

On This episode, Sam tells us about making waves on TikTok, with her videos and sharing her budgeting tips and tricks with the younger generation. She admits that she's still trying to get the hang of the platform, but her main goal is to spread the message about the importance of budgeting and financial planning. As Ron and Sam point out, these essential life skills are not being taught in schools, leaving many young people unprepared for the financial challenges they'll face in adulthood. The Importance of Saving: One of the key aspects of financial planning that Samantha emphasizes is the importance of saving. Whether it's for a house deposit, travel, or other big-ticket items, having a savings plan in place is crucial. Unfortunately, the goalposts for these milestones seem to be constantly moving, making it even more critical for individuals to take control of their finances and become self-reliant. Rising Electricity Prices: A pressing issue that many people are currently facing is the rising cost of electricity. With prices set to increase by a quarter from the 1st of July, many households will be feeling the pinch. Samantha acknowledges that this is a challenging situation, but she believes that having a solid budgeting plan in place can help individuals and families navigate these financial hurdles more effectively. In these trying times, it's more important than ever to take control of our finances and become self-reliant. Samantha Boardman's budgeting and spending plans can provide the guidance and support needed to achieve financial stability and peace of mind. Don't hesitate to contact her for assistance, and check out her TikTok videos for helpful tips and advice. If you're interested in her services, you can contact Samantha at 0404 468 525 or visit spendingmadeeasy.com.au. https://www.spendingmadeeasy.com.au