Underspent programs


Rachel saved $52,680 in 12 months. She’ll teach you how, share her knowledge and support you through the process.

Rachel is a highly qualified & experienced educator; a behaviour change specialist, adult literacy teacher, university lecturer and scuba diving instructor.

FREE 1-on-1 ‘Cash Rich Success’ Discovery Session

  • Are you asking yourself ‘Should I spend money to save money?’ or ‘Is Underspent for me?’ or ‘Is financial security for me?’. Work with Rachel to answer those three questions and many more including: What do you want? What do you need? What are your financial goals? What are your money obstacles? What are your financial headaches? What’s your #1 challenge?
  • Private phone/Skype call with Rachel. Finish the session with a personalised plan of action & way forward
  • Book by phone T: 0 451 o 8 o 345 or  emailing Rachel(at)cyclingrachelsmith(dot)com

FREE 30 days of Money Saving Top Tips

  • The 1st step to start saving money. Switch from surviving to absolutely thriving.
  • Email Rachel for a start date.

5 day Underspent Challenge 

  • The perfect place to start your Underspent journey.
  • Understand your spending, identify your dreams, understand your debts, set up a Spending Plan and Savings Plan, get an accountability buddy and create a plan of action.
  • Daily worksheet.
  • Join today. Start on Monday. Use ‘Buy Now’ button below.

Underspent Playbook 

  • Work at your own pace though the 10 week workbook and 10 audio guides.
  • Implement the 7 Underspent steps using the 15 behaviour change principles; Vision, Awareness, Acknowledgement, Identification, Emotions, Desire, Target(s), Commitment, Strategy, Knowledge, Ability, Action, Monitor, Evaluate and Reinforcement.
  • Join today. Start on Monday. $179. Use ‘Buy Now’ button below.

Underspent Playbook 10 week program with Rachel 

  • The 10-week Playbook program is the only real solution to quit impulse spending and to be happy, cash rich & financially secure.
  • Implement the 7 Underspent steps using the 15 behaviour change principles; Vision, Awareness, Acknowledgement, Identification, Emotions, Desire, Target(s), Commitment, Strategy, Knowledge, Ability, Action, Monitor, Evaluate and Reinforcement.
  • Rachel will sit and work with you for 1 hour a week for 10 weeks (private & personal support via phone/Skype or in person)
  • Lifetime access to the exclusive Underspent support community
  • Join today. Start on Monday. $1,999. Use ‘Buy Now’ button below.

Underspent Programs