We are going fantastic, loving life and dreaming big….!
We no longer worry when our bills arrive, as we have money put aside to pay for them
We continually say to each other that we wish we had started this budget earlier
… over one year, we have … cleared our debt, reduced monthly outgoing expenses, and saved a bucket of
If only we had had your advice, budget planner and the confidence to make wise financial decisions 35+ years ago
After almost eight months with Grandmas jars, I definitely feel in control of my finances. I am now officially debt free!
Our intentions for our finances and planning for our future were always good
Budgeting has now become a joint effort or partnership, and there is no longer periods of tension in our marriage relating to our finances.
Worrying about car bills, feeling guilty over haircuts, or never having a holiday because we can’t justify the expense is no longer an issue.
..having a budgeting plan in place ensures we continue meeting our financial obligations while also catering for our expanding family.
… Phil has challenged me to really think about what it is I want my money to do, whilst keeping financial things in perspective …
I had good intentions about paying off my mortgage quickly, but had nothing in place to help me achieve that
We are about to embark on the new journey of parenthood with the certainty that the lifestyle we desire is affordable and manageable.
Phil’s advice and guidance has allowed us to save amounts we could only dream of, without feeling hugely restricted with spending.
We owe nothing on the credit card and even managed to sneak overseas for a month on a trip that was all paid for … nothing owing on return!
It’s amazing to learn how much money is spent without realising it, all which can help pay off your bad debts
In three years, we have been able to pay thousands off our mortgage … while not missing out on ‘living’.
We started the Grandmas Jars program in August and the first thing we noticed was how much money we wasted by not paying attention.
And the most important takeout from Phil’s advice has been establishing good financial discipline based on Biblical principles.
When my husband and I were referred to Phil, we really had no idea how to manage our finances
…instead of our bank balance going lower each month, we are actually managing to save money each month!
We may not actually have survived this latest most radical step to one income without using Grandma’s Jars under Phil’s guidance
We are so thankful that we began with Phil when we did. It has empowered us to face our financial future with whatever obstacles life throws at us
I came into the Bootcamp with one bank account and no system for keeping track of spending…
After only 6 months we are easily able to account for every dollar we spend and can track how much we are actually saving on a monthly basis.
I was initially reluctant to pay for a full year of Phil, but soon learnt he, and Grandma’s Jars, were absolutely worth it!
No tricks. No moneymaking schemes. Good financial practices for us to use as we continue to adjust as our family grows.
Every month, I know exactly what I need to do; I’ve created boundaries for my spending that somehow don’t make me feel restricted.