Be Prepared Financially
for 2023

Take this amazing chance to become organized financially for 2023.

A great opportunity to see the major liberating differences between a traditional BUDGET and a SPENDING PLAN.

A Spending Plan goes beyond budgeting.  It’s literally about time (cashflow).

Learn how to create and live your personalised Spending Plan.

Have your teenagers / adult children join you in learning.  This will help them too become financially self-reliant.

Invite a friend who always complains about money stresses!




Check out our Facebook Group:  Happy Spenders Beyond Budgeting

Topics Covered

Course Outcomes

Course Schedule

  • What is your WHY?
  • Money Truths
  • Being 100% honest to YOUR money truth
  • Six Expense Types – How you spend your $$
  • Effective Bank Structure
  • LIFE costs – Need expenses
  • STYLE costs – Wants expenses
  • How to use the Spending Planner Software
  • Creating your Perfect Spending Year 2023
  • See Your Money Truth
  • Living Your Plan
  • How to be financially prepared for the unexpected.
  • Personal accountability
  • Teach Your Children
  • Know your money truth
  • 100% financial clarity
  • 100% honest to yourself and others
  • Protect your money from YOU!
  • Create a Spending Plan
  • Prioritize your spending
  • Automate your bills
  • Eliminate consumer debt
  • Plan for the unexpected expenses
  • Plan for long term expenses (replacements)
  • Live your plan with accountability
  • Unify relationships
  • Achieve Financial Peace
  • Become a Happy Spender
  • Wednesday, 2nd November
  • Wednesday, 9th November
  • Wednesday, 16th November
  • Wednesday, 23rd November
           1:00 PM – 2:00 PM
           6:00 PM – 7:00 PM
          AEST (Brisbane, Australia) 

Don’t forget to SHARE this value packed DOUGH-vember with family, children (teens & adult), neices, nephews, parents, work colleagues, and friends.  

Together learn and support each other toward financial peace.


To get the most value from the DOUGH-vember 4 weeks course:

There is some PREPARATIONS you can do PRIOR to the 1st workshop on the 2nd November.  

Any queries, that is what the 30-minute Money Chat above is for.

Download (print) the WORKSHEETS below and FILL IN.

WATCH the instructional videos below for assistance.

Spending Planner Software Subscription

You will receive a SIGN UP link ($1) and access to your Spending Planner software subscription on the 1st of November for 30 days.

Watch for an email to arrive on the 31st of October !!

Note:  You will have the choice to continue your monthly software subscription after November for ONLY $10 per month.

Below is a SNEEK PEEK preview of what you will be learn and be doing as you participate in DOUGH-vember.

I look forward to taking you on the liberating Spending Plan journey in DOUGH-vember!

Sherri Dumbrell, Certified Spending Planner
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Essential Spending Planner