Read what people have to say about my Spending Planner service.


Carolyn goes beyond our expectation of what a Spending Planner should be. Her business is growing at a fast rate, and this is largely because of her passion, enthusiasm, generosity of spirit and compassion.

Carolyn demonstrates integrity and honesty in her dealings with clients, other Spending Planners, and the Spending Planners Institute. She is respectful and honours the high ethical standard of the industry.

When it came time to choose the recipient of the 2016 SPOTY Award, Carolyn was the stand out choice!

Carolyn is a person who delivers a high standard of service and excellence. As such, I can highly recommend you consider Carolyn Moes as your Spending Planner.


— Jennie Brown, Co-Founder, Spending Planners Institute

Before I found Spending Planner our finances were a mess. I would bury my head in the sand about bills and live with the positive thought that the money would come. It did but I had no idea I was just scraping by and was losing about $14,000 a year on a rental property. My partner and I after 5 years still had no idea of who really was paying what and were just putting out fires as they came. As a business owner I had no idea what I was doing financially and hated the numbers so much I put it all in the hands of my book keeper and accountant.

Although it was terribly confronting initially to see what I had been spending on nothing, the effect was almost instantaneous. Within days we were thinking before we spent on something frivolous. This does not mean we immediately stopped having spending money but we were more thoughtful before a purchase.

Now that the system is in place and working we both can see what is happening with our money and when a bill comes in we schedule payment because we can see clearly that if we stick to the spending plan the money will always be there in the joint account. For my business I now know how much to take for wages and also can pay every bill as they come in. It now takes me about 10 min every week to see what needs paying and to transfer it. We each have spending money and saving money plus our joint surplus. We were also able to get a new car loan recently because we could see exactly how it would effect us.

A large portion of our stress is now gone as we can see how to make it work and how spending will effect us up to a year away.
— Tenielle & Scott
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

Making an appointment with Carolyn to discuss our financial situation and develop a spending plan was one of the best decisions we have ever made. I only wish we had done this as newlyweds 7 years ago. Carolyn’s non-judgemental and genuinely caring approach helped us regain control over our spending and develop a plan for the future.
— Ken & Carrie

Carolyn 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-judgemental and has a heart for people.
— Krystle & Jase

Because of the coaching from Carolyn and learning to manage our money, I can afford to go snowboarding in Japan, amongst other holidays, on a very low wage.
— Charlie

It’s hard to describe the complete peace that comes with being able to see your financial situation at any given future point and know exactly where you are and what you need to do! I can highly recommmed Carolyn as a Spending Planner.. Professional, efficient and above all, a pleasure to work with... and peace of mind having an accountability partner to see me meet my financial goals!!
— Julie D

Today we picked up our keys to our new house! It honestly would not have been possible without the help of this lovely lady and the spending planning software.
— Krystle & Jase

When bills come around I don’t get that sinking feeling anymore, and it’s all thanks to the spending planner coaching and software.
— Emily

Anna and I thought we were OK with paying our bills and looking after our budget but we just didn’t seem to having anything left over at the end of the week and couldn’t get the savings from our budget that we wanted.

Thankfully, we were put onto Carolyn! Carolyn met with us and took us through the process. With Anna’s diligence and Carolyn’s supporting hand over the following weeks, we were able to see the benefit of Carolyn’s service almost immediately. We see now, that we have money at the end of the week and we have our bills paid, which has significantly reduced our stress. Our savings are increasing, too!

I highly recommend Carolyn and her Spending Planner service!

Carolyn has helped set us in the financial direction we always wished to go and she has done it by putting the personal effort in to support us, which she continues to do even today. Thank you Carolyn for your help and thank you for becoming our friend along the way, too.

If you want/need to get your finances under control get onto Carolyn, today!
— Anna & Peter