I’m Rachel Smith and I am Underspent. I didn’t buy anything new or 2nd hand in 2014 and saved $52,680 (38% of my salary). I quit impulse shopping – I changed my spending and transformed my savings. It started as a lifestyle experiment, but it changed my life, so I kept on going.

I’m the Author of the best-selling book Underspent and a regular on TV and radio.

I inspire and help professional men and women like you to develop the skills you need to plan your future, change your spending, break the habit of impulse shopping and transform your savings so that you are underspent, not overspent.

I’m on a mission to end the ‘buying just for the sake of buying’ epidemic.

Get involved. Make positive changes to your lifestyle and money by:

  • Buying the Underspent book
  • Reading the weekly blog
  • Being part of the Underspent Facebook community
  • Attending one of my talks, workshops or events
  • Participating in a free monthly Underspent challenge

For me, the ultimate result of implementing the 7 Underspent steps is spending less than is expected/required, money in the bank, breaking the habit of Impulse Shopping and being happier and more content.

Are you Impulse Shopping and buying just for the sake of buying? I asked thousands of you. This is what you said…

  1. You’re not satisfied with what you already have and own.
  2. You’re bored and lonely.
  3. You feel unprepared.
  4. You have no willpower.
  5. You love buying gifts.
  6. You have Fear of Missing Out.
  7. You fear you’ll fail to meet your children’s needs.

The solution is to implement 7 steps in the book Underspent. These are the 7 steps that worked for me:

  • Step 1. I identified my passions and priorities
  • Step 2. I made a budget and sorted out my banking
  • Step 3. I got people in place to help
  • Step 4. I inspected, assessed and organised my stuff
  • Step 5. I got into swapping, sharing and selling
  • Step 6. I used everything that I already had
  • Step 7. I got out and had fun

You’re an inspiration, Rachel” Kochie, Sunrise TV host