The money you spend this week has a direct impact on the Dreams you can afford tomorrow.

Find your money balance between living for the week and living for the future!


Does it sometimes feel like your finances are standing in the way of your happiness?

One minute you’re excited and proud that you got the loan or the mortgage or you’ve paid the deposit on a car or holiday with your family.

But it’s short-lived because the next minute your stressed out because the mortgage repayment is due and so is an unexpected bill (plus a bunch of other expenses).

Confidence is not normally a word that goes with spending.
In fact, 90 per cent of everyday people like you don’t feel confident about spending their (very) hard-earned money at all. They spend it – but they feel guilty about it.

And that guilt eats them up inside even though they have a new pair of shoes, or a hobby or even a well-earned holiday.

And it really shouldn’t be like that at all because you work hard to pay your bills, make sure your children have everything they need, especially a good education, and strive to get ahead.

This is something that many professional couples and their families have in common and that’s because they make one major mistake.

They don’t look at their finances and they don’t know the impact their spending this week will have on their household into the future.

So if they spend that extra $100, $200 or $500 on something they want or need they don’t know how that will affect them into the future when a big bill comes in for their children’s school or something unexpected happens with the car for example.


But imagine what it would be like if you knew you could spend the $100, $200 or $500 and not be left scrimping to pay the bills or better still have money left over to have fun and dream…..

What would you dream about??

Have the confidence to look into your money future and chase after your dreams.

5 Simple Steps to spend confidently

How Spend planning can improve your life

Dreams can come with a price tag, but a spending plan can help you pay your bills on time and make your dreams affordable and achievable.

Empower you to take control of your financial independence and health

Live within your means and use your newfound power to chalk out a plan about where you wish to spend and how much.

Stay focused on your goals

Always dreamed of buying a house or a car or going on an overseas holiday? Well, now is your chance to make it happen!

Always know what is going on with your money

Gone are the days when you wonder where your money went. After spend planning, you will know exactly how much money is coming in and where it goes.

Communicate with your spouse about your money worries

Working on a plan together can prevent conflicts and misunderstandings. Instead, it is an opportunity for you to achieve your goals together.


– Mary!

Your program is the only thing that worked for me.

Eight months ago I owed $4200 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 and we have just paid off the rates in full before the due date. Your program is the only thing that worked for me.

– Robert

This program will turn your financial state around.

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 three 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.


He is an integral part of my financial team.

Mark is a pleasure to deal with. He simplified the process and took great care in supporting me through it. His encouragement and professionalism has helped me to become a property owner. I recommend Mark highly as I feel he genuinely cares about his clients. He is an integral part of my financial team. Thank you, Mark.



In this section, we cover all the basics that many (many) people miss, skip or don’t want to look at, including:

  • ACCOUNTS: Setting up your bank accounts in an easy-to-maintain structure.
  • EXPENSES: The 5 types of expenses, your current expenses (and which account to pay them from!), and giving priority to those expenses.
  • SPEND PLAN: Why build a spending plan? So you can learn how to get from where you are now, to the life you want to be leading.


  • SET UP: Find your living expenses and set up your spend planning software.
  • BUILD: Build your first spending plan and learn how it works.
  • TWEAK: Often mistakes are made in this first month and it can feel a little strange. That’s completely normal – but let’s tweak your plan together so you get even better results.
  • SPEND: Learn how to process transactions in the spending plan software.

3: RUN

Congrats you made it this far – you should be very excited now as your hard work starts to pay off.

  • ADJUST: Make minor adjustments to your spending plan as you go, so it works by itself.
  • ADD: Now it is time to start adding expenses that you do not yet know about. These are your long-term spending expenses; the exciting ones that allow you to have more money in the future!


From here the mentoring and accountability continues and is personal to your needs and wants.

  • SPEND: Learn how to process transactions in the spending plan software.
  • Planning for home ownership
  • Scenario plan for changing jobs or reducing work hours
  • Planning for family holidays
  • Planning to best reduce debt and still have fun
  • How to have more fun
  • Using cashflow management to free up resources for wealth creation / investment
  • EDUCATION: You never stop learning in life, and your money journey is no exception.


Reduce your money stress

Know how much you need to earn to pay your bills on time

Tired of living week and week and not knowing if you can pay your bills next month if you lash out and have a little fun. The Spending Plan Program can help you.

Know you ‘missing’ number

Tired of telling yourself that you just can’t afford it or that you don’t have enough money to do….. Have you ever stopped and thought about how much money I actually need to have in my bank account today to pay my bills on time?

The value of time

See what your money future looks like by generating a bank statement into the future. Ever wondered what potential impacts on your cashflow a big decision now might have in 1month, 1 year or 5 years time. Well now you can at the push of a button.

Mark Barnes

Hi, I’m Mark Barnes, from Greater Finance, and I am a loan specialist and a Spend Planner. My sole purpose in business is to help you spend your money on the items that are important to you and will have an impact on your life

– a house, holiday, new car, kids activities or education, or just extra money to spend on a new dress or your hobby!

Here’s what people are saying about the course instructor

“Mark is amazing! Time and time again he works his magic and sorts out our finances for us. So far a home and car! He goes out of his way to ensure what we are getting is right for us and our situation. Won't go anywhere else!”

- Family from Ripley

Why This Course Will Help

  • Stop losing sleep over your finances
  • Start having fun with your money
  • Stop being mentally drained because of money worries
  • Start talking easily with your spouse about money to achieve important life goals
  • Stop budgeting
  • Start handling your money simply and quickly – start spending!

Frequently Asked Questions

Does Spend Planning work for variable / casual income or self -employed?

Do I have to have a computer to do this program?

How are the 1:1 sessions done?

Do I have to share my bank account information?

Will I be told what I can and can not spend my money on?

Do I have to keep receipts and record every little thing I spend my money on?

This program is by application only.

Seeing people have money success is at the core of what we do. To make sure this program is right for you, please book a 15 min zoom session.
In this session, you will be able to ask any question you may have and together we can confirm if this program is right for you.

On a personal note

It can feel very uncomfortable talking about your money and how you spend it. At Greater Finance we are not here to tell you what you can and can not spend your money on. As much as it may feel that you are the only people experiencing what you are feeling, the chances are it is more common than you think.

The Spend Planning Program is designed to be fully adapted to your lifestyle and what is important to you. Our 1:1 mentoring sessions is very much about helping you get where you want to go.

Your future self will really appreciate you taking the next step and getting to see how you really can reduce your money stress, increase your confidence and yes even have some fun.

We really look forward to taking this journey with you.

ABN: 942 548 158 20 is authorised under
Loan Market Pty Ltd

Australian Credit License: 390222


PO BOX 849, Redbank Plains, QLD 4301



Information provided on this website is of a general nature and for illustrative purposes only. It does not take into consideration your personal circumstances or financial situation.

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